Plaza Home Mortgage® is increasing the baseline conventional conforming loan limit to $845,000 for 1-unit properties, effective for commitments on or after Thursday, September 24, 2026. Loan limits for 2-4 unit properties are also increasing.

Conforming Limits 2

Program Details:

  • Applies to all Fannie Mae® and Freddie Mac® eligible programs
  • Loans may close immediately
  • DU®/LPA® Approve/Ineligible or Accept/Ineligible findings (for loan amount only) require a full appraisal
  • Value Acceptance and Value Acceptance + PDC/ACE options allowed only with Approve/Eligible or Accept/Eligible findings
  • No change to High Balance/Super Conforming limits at this time
  • If a property qualifies for both new conforming and High Balance limits, it will lock under the baseline conforming program (new locks only)

Important Note:

Plaza is increasing limits in anticipation of the 2027 FHFA announcement, expected in late November. When FHFA, Fannie Mae®, and Freddie Mac® announce 2027 limits, Plaza will adjust accordingly.

Let us know if you have any questions regarding this update.