Insights

Every insight cites primary sources, states its assumptions, and marks a last-reviewed date. Nothing here is a rate quote, approval, or commitment to lend.

• Source tracker

  Official conventional mortgage source tracker

  A factual, source-linked tracker of official conventional-mortgage authorities with the verified structured facts we have recorded for each.

  Last reviewed 2026-07-29

• Loan limits

  2026 baseline conforming loan limit: what changed and why it matters

  The Federal Housing Finance Agency sets the annual conforming loan limit that separates conforming conventional loans from jumbo territory. For 2026, the baseline one-unit limit is $832,750 and the high-cost ceiling is $1,249,125.

  Last reviewed 2026-07-29