Mortgage Guidelines Archives - Transparent Mortgage

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New Conforming Loan Limits for 2022

The Federal Housing Finance Agency (FHFA) has announced the new conforming loan limits for 2022. Here’s what you need to know.

How Your Rental Payment History Can Improve Your Chances of Buying a Home

A positive rental payment history can help you buy your first home, thanks to the new policy introduced by Fannie Mae and the FHFA.

Jumbo Loans—What Today’s Mortgage Borrowers Need to Know

In the most basic sense, a “jumbo loan” (also known as a “jumbo mortgage”) is exactly what it sounds like. It is a larger-than-usual mortgage loan for borrowers purchasing a more expensive luxury property or in a highly competitive real estate market. It is important to understand what jumbo loans Continue Reading →

2021 Conforming Loan Limits Released by FHFA

On November 24, the Federal Housing Finance Agency (FHFA) announced the new maximum conforming loan limits for mortgages that can be acquired by Fannie Mae and Freddie Mac starting on January 1, 2021. Per the Housing and Economic Recovery Act (HERA) the conforming loan limits are adjusted every year based Continue Reading →

FHFA Pushes Back Refinance Mortgage Fee to December 1

The Federal Housing Finance Agency (FHFA) just announced that it will be pushing back the proposed refinance mortgage fee from September 1 to December 1, 2020. This means that Fannie Mae and Freddie Mac will not be implementing this controversial loan pricing adjustment for three more months. Understanding the Refinance Continue Reading →