Fed: Conforming loan limit drop effect to be minimal

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To get a conforming loan – which is a good thing – you’ll want to buy a house that puts you under the conforming loan limit in your area. For 2018, the limit is $453,100 – but it can be more in some high-cost markets. For example, conforming loans can top out at $679,650 in Alaska, Washington, D.C., and metro areas in other high-demand housing markets. Limits are even higher in some cities in California and Hawaii.

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—– SUMMARY: The Office of Federal Housing Enterprise Oversight is publishing today a Statement on the Conforming Loan Limit for 2008 and issuing for additional public comment a revised version of the proposed examination guidance, entitled “conforming loan limit calculations” (policy Guidance).

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[FHA] FHA loan | Whole FHA loan process explained | FHA Mortgage Loan Well, for starters, a conforming loan is a mortgage that meets the underwriting guidelines (credit, income, assets requirements) of Fannie Mae and Freddie Mac, the government-backed pair that buy and securitize mortgages on the secondary market. Additionally, the loan amount must be at or below the conforming loan limit to be considered conforming.

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