In anticipation of the FHFA release of the 2026 loan limits, Homebridge is increasing the maximum conforming loan amount to $819,000 effective immediately.
The following eligibility requirements apply:
- Fannie Mae and Freddie Mac transactions ONLY (purchase and refinance)
- 1-unit owner-occupied, second home, and investment properties, including condos (2-4 units ineligible)
- Hawaii and Alaska Transactions: The maximum conforming 1-unit loan amount is $1,229,000
- An “Approve/Ineligible” DU Finding or an “Accept/Ineligible” LPA Finding are eligible provided the “ineligible” is due to the loan amount only
- The Note date for the transaction must be dated on or after November 1, 2025
- The first payment date for the new loan must be January 1, 2026 or later (interest credits are not allowed)
There is no change to the current high balance/super conforming loan limits. Loans currently locked as a high balance/super conforming OR as a Jumbo transaction are not eligible; those transactions must remain as currently locked
The new conforming loan limits detailed above are available for new submissions AND loans currently in the pipeline.
New Submissions
A manual lock is required. Brokers must complete the Manual Lock Request form and email it to the lock desk at locks@homebridge.com. The Lock Request form is located on the Forms page of the Homebridge Wholesale website at www.homebridgewholesale.com
Pipeline Transactions
Brokers wishing to take advantage of the new, higher conforming loan amount for an existing, locked 1-unit FNMA/FHLMC pipeline transaction should contact their Account Executive.
Reminder
The increased loan limits are available for FNMA/FHLMC 1-unit conforming loan amount transactions only; they are not eligible on Investor Solution, FHA, VA, or USDA transactions
If you have any questions, please contact your Account Executive
