The new Fannie Mae and Freddie Mac Loan Limits are in effect. The 2025 Conforming Loan limit is $806,500.00, a 5.2% increase from 2024. The 2025 High-Cost Area Loan Limits increased to $1,209,750.00. How do higher Conforming Loan Limits help me? There is a big difference between “Agency loans”, which by definition are loans meeting Fannie Mae or Freddie Mac Guidelines, and Jumbo Loans. Jumbo loans are often called “Non-Agency Loans.” Agency loans have lower interest rates than Jumbo loans. Agency loans are generally easier to qualify for. Agency loans are more flexible with Debt-to-Income Qualifying Ratios and have lower credit score requirements. Agency loans allow for a higher loan to value, which means a lower down payment. If you have been searching for your new home limited to Conforming Loan Limits, due to loan qualification, your market opportunity has been expanded by $39,950.00 in 2025. If you were looking in the $800,000.00 price range, your mortgage rate just got lower. The increased Conforming Loan Limits just made homeownership a litlle more affordable in 2025. Contact your FDM Mortgage Professional today to see how the new Conforming Loan Limits can help you. Complaint Policy Customer Reviews Fidelity Direct Mortgage, LLC No FDM Borrower Left Behind! 438 North Frederick Avenue, Suite 315, Gaithersburg, MD 20877 Direct: (301) 869-6000 | (866) 527-8052 | contact@fdmhome.com Fidelity Direct Mortgage, LLC
