Latest / Mortgage Research Network Podcast
2026 Loan Limits: Will Conforming Loans Top $842K?
Conforming (aka “conventional”) loan limits could jump ~4.46% in 2026—to $842K+—based on early FHFA Home Price Index trends. In this episode, Tim Lucas and Craig Berry explain how limits are set, who benefits, and smart ways to bridge the gap right now. You’ll learn:How Limits Move: FHFA’s HPI drives the annual reset; recent history saw +18% (2022) and +12.2% (2023), making a ~4.5% 2026 rise relatively modest.High-Cost Areas: Caps run 150% of the standard limit—potentially $1.2M+ for 1-unit homes and ~$2.4M for 4-units in 2026.Should You Wait? Prices may keep climbing; waiting for higher…
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