If you are buying a home or helping someone buy one, there is good news on the horizon. Conventional loan limits are expected to increase in 2027, and higher limits tend to open doors for everyone at the closing table.
A quick refresher on loan limits
A conventional loan is one of the most common ways to finance a home, and there is a cap on how much you can borrow with one. When that cap goes up, buyers can finance a higher priced home while still using this everyday loan, instead of moving into a different and often more complex loan type.
Expected 2027 limits
Buyers in Alaska and Hawaii have even higher limits.
What this means for borrowers
Higher limits can stretch your options. You may be able to look at homes that were just out of reach, keep more properties on your list, and finance them with a familiar loan. For anyone considering a two to four unit property, whether to live in one unit and rent the others or to invest, the higher multi unit limits are worth a closer look.
What this means for real estate agents
Higher limits can widen the pool of homes your buyers can realistically pursue, which means more inventory in play and fewer conversations that end at a price ceiling. It is also a timely reason to reconnect with clients who paused their search. A quick heads up that their buying power may be growing in 2027 is the kind of touchpoint that keeps you top of mind.
Let's put these numbers to work
Whether you are ready to buy, thinking about your next move, or guiding clients through theirs, we are here to help you make sense of it all. Reach out to Kind today and let's talk about what is possible in 2027.
An upcoming FHFA announcement will determine official 2027 conventional loan limit changes. No appraisal waivers permitted. Minimum 620 FICO required. AUS Approve/Ineligible loan amount only. All loans subject to underwriting approval. Terms and conditions apply and are subject to change without notice.
