REMN is pleased to announce that we will permit FNMA & FHLMC loans to utilize anticipated 2026 general/conforming loan limits, effective with new loan registrations on/after October 3, 2025.
Loans applying anticipated 2026 loan limits are subject to the following:
- FNMA & FHLMC conforming products only (Investor Solution not permitted)
- 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 2026 loan limits
- The earliest Note date is 11/01/2025
- The first payment date can be no earlier than January 1, 2026 (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 2025 loan amount restrictions (and anticipated 2026 loan limits are not exceeded)
| Subject Property Location | Anticipated 2026 Conforming Loan Limit (1-Unit ONLY) |
| •48 Contiguous States | $819,000 |
| •Alaska & Hawaii | $1,229,000 |
**Please contact your Account Executive with any questions**