New loan limits for FHA and conforming loans have increased in 2025. The Federal Housing Administration has increased FHA loan limits to $524,225 in 2025, up from $498,257 in 2024. The Federal Housing Finance Agency has announced that the new conforming loan limit for 2025 is $806,500, an increase from $766,550 in 2024.
Make your homeownership dreams a reality.
Take the first step and apply online with FBC Mortgage.
Make your homeownership dreams a reality.
These loan limits apply to single-unit properties in most areas. Because real estate values can vary significantly based on location, loan limits may be increased for higher cost of living areas. This increase provide buyers with more flexibility in their home search, allowing them to find the location that best suits their preferences.
Increased loan limits also make larger loans more accessible, assisting homeowners whose loans were once considered “JUMBO,” or above the previous conforming loan limit, to refinance their mortgage for a lower rate and possibly even qualify to eliminate their mortgage insurance.
How Does This Impact Your Purchasing Power?
“Homebuyers can take advantage of higher loan limits, helping them to buy a home sooner than they thought possible,” says FBC Mortgage Area Manager Jared Varitek. “By leveraging these increased limits, aspiring homebuyers can maximize their buying potential and make their dream home a reality.”
To read the Federal Housing Finance Agency’s announcement, click here. For FHA’s announcement, click here.
Effective immediately, FBC Mortgage’s loan programs will be updated to align with the new loan limits.
Ready to learn more?
Connect with one of our loan officers in your area today.
Ready to learn more?
Why Choose FBC Mortgage?
FBC Mortgage, LLC is a leader in helping home buyers with fast and simple loans. We’re dedicated to exceptional customer service and are always available when you need us most, even at night and on the weekend. We’ll help you navigate your new home purchase, and keep you updated along the way with weekly check ins, so you know you’re taken care of. That’s one of the many reasons why 95% of our clients would recommend us to their friends and family. It’s also why the nation’s top home builders and Realtors trust FBC to help their new home buyers.
Buying a home is one of the most important financial decisions you will make. Understanding mortgages and the home buying process can help make it less stressful, and so can partnering with a mortgage lender you can trust. At FBC Mortgage, LLC, we’re dedicated to helping home buyers finance their dream home.
All information presented is for educational purposes only and not intended as financial advice. FBC Mortgage, LLC is a national mortgage lender headquartered in Orlando, Florida. Specializing in residential mortgage lending, including purchase, refinance, construction, and renovation loans. See what our clients have to say. NMLS#152859 EHL ©2024.
Higher Loan Limits Increase Homebuyer Purchasing Power
New FHA and conforming loan limits have increased in 2025, increasing homebuyer purchasing power in the current market.
How Appraisals Work
Appraisals play a vital role in determining the value of a property, and they help ensure that the investment you’re making is a smart decision for both you and your lender.
What the Fed’s Rate Cut Means for Mortgages
When the Federal Reserve cuts rates, many assume that mortgage rates will follow suit. In this article, we’ll look at the relationship between the federal funds rate and mortgage rates and the potential outlook for both.
