EDITOR'S UPDATE: On November 25, the Federal Housing Finance Agency (FHFA) announced that the conforming loan limit (CLL) values for mortgages Fannie Mae and Freddie Mac will acquire in 2026 will be $832,750.
Rocket Mortgage has increased its conforming loan limits to $825,550 for single-family homes in the lower 48 states and $1,238,325 for properties in Alaska and Hawaii — the highest limits among lenders that have already made adjustments, the company announced.
In September, United Wholesale Mortgage (UWM), Pennymac, CrossCountry Mortgage, and Rate set loan limits to $819,000. Pennymac also hiked its ceiling in Alaska and Hawaii to $1,228,500, though, nearly $10,000 less than Rocket's offering. The current ceiling for single-family loans is $806,500.
Each year, the Federal Housing Finance Agency (FHFA) sets the official conforming loan limits that determine the maximum size of loans eligible for purchase by Fannie Mae and Freddie Mac. Those figures are typically announced in late November and take effect on January 1. When a lender raises its limits early, it signals confidence that the FHFA will follow suit and allows borrowers to access conventional financing — which offers more favorable rates and terms than jumbo loans — before the new limits are officially in place.
“At Rocket, we've built our reputation on delivering solutions that truly serve our clients,” said Chief Business Officer Bill Banfield. “We’ve taken the time needed to analyze current market data and rising home prices to determine the most accurate loan limits for today’s environment.”
The higher limits apply to both direct consumers and mortgage brokers working through Rocket Pro, expanding access to conventional financing with less restrictive terms and more competitive pricing than jumbo alternatives.
Dan Sogorka, General Manager of Rocket Pro, added that the move supports the company’s new partner pledge: “This increase directly supports our fifth partner promise – ‘Helping everyone home means everyone.’ By implementing these higher limits now, we're ensuring more Americans can secure conventional financing with better terms and greater flexibility.”
The early adjustment applies to all conventional conforming agency loan products.
The FHFA has given mortgage professionals more to think about than loan limits for next year — like the fate of the GSEs. On Oct. 15, the FHFA posted a request for public comment on the strategic direction of the GSEs, FHFA’s Strategic Plan: Fiscal Years 2026-2030. Respondents have until Nov. 5 to offer their thoughts on the matter.
