Annual Home Loan Limit Changes

​​2025 will see another increase in limits for conventional home loan limits, which can be very helpful for those considering new financing on a home…

​Limit Changes
Conforming loan limits for one-unit homes are increasing from $766,550 up to $806,500.
 
“High Balance” limits in eligible high-cost areas are increasing from $1,149,825 to $1,209,750.
 
Multi-unit properties have different, higher limits.
 
Benefits to You
An increase in loan limits puts more borrowers in position to take advantage of better options and terms, as conforming loans carry the following benefits versus Jumbo loans (financing beyond above limits).

• Lower rates on financing
• More lenient guidelines for approvals
• Reduced fees for borrowers
• Lesser down payment requirements
• Increased access to home equity

 
We Can Help with Your Home Loan
Because we provide home loans in addition to preparing taxes and offering financial coaching, we’re able to effectively help you navigate the process of purchasing or refinancing your home.
 
With our tax expertise, we bring the tax benefits into the home financing conversation, and help our tax clients ensure their financials aren’t spread all over town!