• Single-Family
  • Making Home Affordable Program
  • Underwrite and Process Loans
  • Sell and Deliver Loans
  • Mortgage Products
  • Service Loans
  • Doing SF Business with Freddie Mac
  • Forms and the Guide
  • Single-Family News Center
  • Subscription Center
  • The Learning Center
• Multifamily
• Debt Securities
• Mortgage Securities
• Vendors and Suppliers

Freddie Mac 2012 Loan Limits Announced

November 22, 2011

In line with the Federal Housing Finance Agency (FHFA) announcement on the 2012 conforming loan limits, Freddie Mac's base conforming and high-cost area loan limits will remain at the existing 2011 levels through December 31, 2012, with the exception of one county where the high-cost area loan limits will increase.

Sell & Deliver

For mortgages with Freddie Mac funding or settlement dates on or after January 1, 2012, the base conforming loan limits remain at current levels ($417,000 for 1-unit properties in the contiguous United States). For super conforming mortgages with note dates on or after October 1, 2011, and Freddie Mac funding or settlement dates on or before December 31, 2012, the maximum loan limits for high-cost areas will remain unchanged from existing levels, except in Fairfield County, Connecticut, where the loan limit will increase. The current maximum high-cost limit is $625,500 for a 1-unit single-family property in the continuous United States, although actual loan limits for a specific high-cost area may be lower than the maximum permitted loan limit.

In all instances, the loan limits for 2- to 4-unit properties and mortgages secured by properties in AK, HI, GU, and the U.S. Virgin Islands are higher.

It is important that you review the 2012 loan limits permitted for a specific county, which FHFA makes available on its Web site.

Loan Prospector® and the selling system will be updated to reflect the 2012 loam limits. There are no changes to your operational procedures or processes.

The Single-Family Seller/Servicer Guide (Guide) will be updated in an upcoming Guide Bulletin to reflect the 2012 conforming loan limits.

Get More Information

• Visit our Loan Limits web page for the 2012 base conforming loan limits and the higher maximum loan limits in designated high-cost areas.
• View the 2012 loan limits in designated high-cost areas as published by FHFA.
• Review FHFA's press release on the 2012 loan limits.
• Review the Freddie Mac press release on the 2012 loan limits.