Conventional Loan Limits

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 Higher Conventional Loan Limits Are Already Here — At Least With One Lender

Every year, the Federal Housing Finance Agency (FHFA) announces new conforming loan limits for Fannie Mae and Freddie Mac loans.

But some lenders don’t wait.

Rocket Pro has announced that, effective immediately, it will accept higher anticipated 2027 conforming loan limits — before FHFA releases the official 2027 limits.

For properties in the Lower 48 states, the new limits being accepted are:

 1 Unit: $845,000
 2 Units: $1,081,950
 3 Units: $1,307,800
 4 Units: $1,625,350

For Alaska & Hawaii:

 1 Unit: $1,267,500
 2 Units: $1,622,925
 3 Units: $1,916,700
 4 Units: $2,438,025

Why does this matter?

A higher conforming loan limit may allow some borrowers who would otherwise need jumbo financing to qualify for conventional financing instead.

That can potentially mean different underwriting requirements, financing options and pricing.

 Important: These are not yet the official 2027 FHFA conforming loan limits. These are anticipated limits that this lender has chosen to begin accepting early. The official 2027 limits will be established by FHFA when they are announced.

If you’re buying a home — especially in one of California’s higher-priced markets — or considering a 2–4 unit property, this may open up some additional financing possibilities.

Have questions about how much you may qualify for? Give me a call and we can look at the options.

Rob Clark | Home Loan Consultant
 209-227-7745
 559-476-9279
 rbrtclark53@gmail.com
 robertclarkloans.com

NMLS #357788
Firestone Financial Group | NMLS #301522
CA DRE #01148307
Equal Housing Lender