Mortgage Glossary
Conforming Loan
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A conforming loan is a conventional mortgage that meets Fannie Mae and Freddie Mac guidelines, including the annual loan limit.
What Conforming Loan means
Conforming loans follow standardized underwriting and can be sold to the two agencies, which keeps rates competitive. Loans above the limit are jumbo loans with stricter requirements.
Florida example
For 2025 the conforming limit is $806,500 in most Florida counties. A $750,000 loan in Orlando is conforming and enjoys agency pricing. Meanwhile, an $850,000 loan crosses into jumbo territory and needs larger reserves.
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