The conforming loan limit for 2025 has been established at $806,500, marking a 5.2% increase from the previous year. Despite ongoing discussions, no immediate action is planned regarding this limit. There is an ongoing goal by the Trump administration to exit the Government-Sponsored Enterprises (GSEs) from conservatorship, although the timeline remains unclear. Treasury Secretary Scott Bessent stressed that a safe and sound release should align with the stability of mortgage rates. Additionally, the recent changes in leadership at Freddie Mac may hint at further adjustments within Fannie Mae.
"While their conservatorship should not be indefinite, any exit from conservatorship must be carefully planned to ensure the safety and soundness of the housing market without upward pressure on mortgage rates."
"The priority for a Fannie and Freddie release...is any study or hint that mortgage rates would go up."
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