"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, Bill Banfield, Rocket's chief business officer, said. This strategic decision reflects our commitment to providing accessible homeownership opportunities when families need them most. Rocket's new ceiling, effective immediately, represents a 2.36% increase over the current 2025 one-unit conforming loan limit of $806,500."
"By implementing these higher limits now, we're ensuring more Americans can secure conventional financing with better terms and greater flexibility, Dan Sogorka, general manager of Rocket Pro, said in a statement. A higher conforming limit allows more borrowers to avoid the jumbo loan market where terms are typically less favorable but also reignites debate over whether government-backed loans should support balances nearing $1 million, a threshold first crossed in select markets in 2022."
Rocket increased its conforming loan ceiling by 2.36% above the 2025 one-unit conforming loan limit of $806,500, effective immediately. The higher cap applies to borrowers who go directly to Rocket and to those working through broker partners via Rocket Pro. The FHFA sets baseline conforming loan limits each November; the 2025 baseline rose 5.2%, a smaller gain than the 5.5% rise in 2024, reflecting slower home-price growth. Higher conforming limits allow more borrowers to avoid the jumbo loan market, expanding access to conventional financing with better terms. Rocket also set a $1,238,325 conforming limit for Alaska and Hawaii and now offers the highest early-adjusted limits among lenders.
Read at www.housingwire.com
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