For example, during the Covid pandemic, there was a federal moratorium placed on foreclosures for homes with conforming mortgages. If yours wasn’t a conforming loan and wasn’t covered under ...

However, there can be variations in the conforming loan limit based on regional economic differences. For example, in areas where 115% of the local median home value exceeds the baseline ...

The limits on FHA loans are typically lower than conforming loan limits. For example, FHA loan limits in 2025 are $524,225 at their lowest; conforming loan baseline limits surpass $800,000.

There are many benefits to using a non-conforming loan. For example, they usually come with: Stricter qualification requirements: Borrowers typically need good credit and a low debt-to-income ...