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Jumbo loans are more expensive and harder to qualify for because of the higher risk they carry. That makes those loans cheaper for lenders, which in turn usually leads them to offer consumers lower interest rates, among other benefits.Д«y categorizing higher-balance loans as conforming, more homebuyers can qualify for loans that are typically less expensive, require smaller down payments and allow for lower credit scores.

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вЂњThere are so many benefits to having a conforming loan, increasing the loan limits will be huge.вЂќД«ut some analysts are concerned that increasing the limits to nearly $1 million may mean the government is playing too big a role in supporting high housing prices.ДЇreddie Mac and Fannie Mae, which back about half of all US mortgages, are not lenders, but they buy loans from lenders and sell them to investors.

The increase is great news for homebuyers, especially those in high-cost areas who were being pushed into a jumbo mortgage even for a modest home, said Melissa Cohn, regional vice president at William Raveis Mortgage.

Mortgages above these loan limits are considered вЂњnon-conformingвЂќ or вЂњjumboвЂќ mortgages, and typically come with higher interest rates. The increase, up $98,950 from $548,250 in 2021, is the largest percentage increase and dollar increase in the history of the measurement going back to 1980. Higher-cost areas will have a new loan limit of $970,800, or 150% of the baseline loan limit. Third quarter home prices increased 18.5% from a year ago, according to the Federal Housing Finance AgencyвЂ™s House Price Index, released Tuesday, marking the largest annual home price increase in the history of the index.ДЄs a result, the baseline conforming loan limit for 2022 will be $647,200, up nearly $100,000 from last yearвЂ™s limit.