SUBJECT: 2025 FNMA and FHLMC Anticipated Loan Limits
DATE: September 24, 2024
REMN is pleased to announce that we will permit FNMA & FHLMC loans to utilize anticipated 2025 general/conforming loan limits, effective immediately.
Loans applying anticipated 2025 loan limits are subject to the following:
- FNMA & FHLMC conforming products only
- 1-unit properties only (including condos and PUDs). 2–4-unit properties are ineligible until a formal announcement is made by FNMA/FHLMC
- Purchase and refinance transactions are eligible
- Owner-occupied, 2nd home, and investment occupancies are eligible
- There is no change to high balance limits until a formal announcement is made by FNMA/FHLMC
- Applies to new and existing pipeline loans
- Loans over 80% LTV that need MI must use a REMN-approved MI company that is allowing the “early release” of 2024 loan limits
- The earliest Note date is 11/04/2024
- The first payment date can be no earlier than January 1, 2025 (no interest credits permitted)
- Loans utilizing anticipated loan limits must be manually locked with REMN’s lock desk at remnlock@remn.com
- AUS findings of “Approve/Ineligible” will be accepted if the SOLE reason for ineligibility is due to 2024 loan amount restrictions (and anticipated 2025 loan limits are not exceeded):
| Subject Property Location | Anticipated 2025 Conforming Loan Limit (1-Unit ONLY) |
| 48 Contiguous States | $802,650 |
| Alaska & Hawaii | $1,203,975 |
**Please contact your Account Executive with any questions**