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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 to Qualify for Down Payment Assistance

Here’s what you need to know about the CalHFA MyHome down payment assistance (DPA) program for first-time home buyers in California.

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 →

The Challenges of Getting a Jumbo Loan in Today’s Mortgage Market

We’ve been talking a lot on the Transparent Mortgage Blog about how the COVID-19 situation has affected the economy as a whole—and especially the mortgage market. We are in interesting times with home prices continuing to surge because of low inventory while mortgage rates remain historically low. However, the challenge Continue Reading →