The Federal Housing Finance Agency (FHFA) announced an increase in the conforming loan limit (CLL) for mortgages backed by Fannie Mae and Freddie Mac for 2025. The new limit will be $806,500 for most of the country.
This represents a 5.2% increase from the previous year, reflecting the FHFA's consideration of rising housing prices. The higher limit allows the government-sponsored enterprises to acquire larger loans.
Raising the conforming loan limit is significant for Fannie Mae as it expands the pool of mortgages it can purchase and guarantee. This helps maintain liquidity in the housing finance system, supports access to mortgage credit for borrowers, and adapts to market conditions.
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