Revised Conforming Loan Limit Update
Effective today, Gateway Correspondent Lending has aligned with the conforming loan limit increase values for both standard and high-cost loans, as announced by Fannie Mae and Freddie Mac. Conventional loan limits have increased from $806,500 to $832,750 and the 1-unit high-cost limit has increased from $1,209,750 to $1,249,125.
TVLB loans (VHAP) loan limits have also increased from $806,500 to $832,750 on NEW loan registrations on or after January 1st, 2026. Current locks on this program will not qualify for a loan amount increase to the new loan limit and any relock requests will be subject to worse case pricing.
Loans with AUS approve/ineligible results, solely due to the loan amount exceeding the 2025 limits, but meeting the limits listed below are eligible for purchase by Gateway. Please note, if a DU loan has more than just loan amount for ineligible feedback, we will request DU be re-run prior to loan purchase. LPA loans must be ineligible only due to the loan amount exceeding the 2025 limits but fitting within the limits shown below. Units: 1 | States (Excluding AK & HI): $832,750 | AK & HI: $1,249,125
Loan amounts may vary by area and unit count, for complete details please see FHFA’s release letter here:
Please direct any questions to your Regional Sales Manager