2026 Conventional Loan Limits

CONVENTIONAL LOAN LIMITS INCREASED

GMFS is excited to announce that we’re raising Conventional loan limits to $819,000.

effective with locks taken after 10/1/2025

DETAILS:

  • Applies to standard Fannie Mae and Freddie Mac eligible programs (Standard programs Only)
  • Loans with a DU Approve/Eligible will continue to be eligible for Value Acceptance and Value Acceptance + PDC. Acceptance + PDC. Loans with an LPA Accept/Eligible will continue to be eligible for ACE and ACE + PDR.
  • Loans with an AUS Approve/Ineligible or Accept/Ineligible (ineligible for loan limits only) are eligible for delivery and will require a full appraisal.
  • Credit Report must be dated after 10/1/2025
  • 1-unit limit changed only, No change for multiple units or current high balance program
  • Use loan programs “Fannie 30yr-New Limit” (or Freddie) in Optimal Blue to lock above the current FHFA limit
  • Loans locked under this program may close immediately
  • This program requires tax transcripts for the most recent one year for all self-employed borrowers
  • This is a separate investor program and not serviced by GMFS. Files locked under this program must close under this program and cannot be switched to standard GMFS product later.