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Movement Makes Estimated 2025 Loan Limits Available NOW

By: Movement Team
September 23, 2024

Every year, the Federal Housing Finance Administration (FHFA) adjusts loan limits for conventional mortgages to align with current home prices. That means the maximum amount a buyer can qualify for a Fannie Mae or Freddie Mac mortgage will increase. Typically, a borrower would have to wait until January 1, 2025. Movement is giving our customers a competitive advantage in the market by making estimated 2025 limits available now before the FHFA announcement!

Early Release Loan Limit Basics

The maximum loan limit available depends on location and property type. You can find the a breakdown of 1-4 unit properties below:

Max Loan Limit (Conventional Only)

Units Continental US Alaska and Hawaii
1 $802,650 $1,203,975
2 $1,027,750 N/A
3 $1,242,250 N/A
4 $1,543,900 N/A

Buyers can finance a home if they are intending to purchase a:

  • Primary home
  • Second home
  • Investment property

Keep in mind, qualification criteria may differ depending on the occupancy type.

Movement is offering different loan options for this program. A buyer can choose to get a 30-year fixed mortgage which keeps principal and interest payments steady for the term of the loan. Or, for borrowers who are conscious of current rates, a 1/0 or 2/1 temporary buydown can lower the interest rates on loan payments for the first year or two respectively.

Early Release Loan Limit Details

Interested in taking advantage of Movement’s Early Release Loan Limit program? Find the qualification criteria below:

Primary – Purchase and LCO Refinance  
Property Type Minimum FICO Maximum LTV/CLTV Maximum DTI Minimum Reserves  
1 Unit SFD, Warrantable Condo, PUD 700 95%/95% 45% Per AUS  
2 Unit SFD 660 80%/80% 45% Per AUS  
3 Unit SFD 680 75%/75% 45% Per AUS  
4 Unit SFD 680 75%/75% 45% Per AUS  
Primary – Cash Out Refinance  
1 Unit SFD, Warrantable Condo, PUD 680 80%/80% 45% Per AUS  
2-4 Unit SFD 700 75%/75% 45% Per AUS  
Second Home – Purchase and LCO Refinance  
1 Unit SFD, Warrantable Condo, PUD 680 80%/80% 45% Per AUS  
Second Home – Cash Out Refinance  
1 Unit SFD, Warrantable Condo, PUD 680 75%/75% 45% Per AUS  
Investment – Purchase  
1 Unit SFD, Warrantable Condo, PUD 700 75%/75% 45% Per AUS  
2 unit only 700 75%/75% 45% Per AUS  
Investment – Limited Cash Out Refinance  
1 Unit SFD, Warrantable Condo, PUD 700 75% 45% Per AUS  
2 unit only 700 75% 45% Per AUS  
Investment – Cash Out Refinance  
1 Unit SFD, Warrantable Condo, PUD 680 75%/75% 45% Per DU  
2-4 Unit SFD Ineligible  

*Programs,rates, terms and conditions are subject to change without notice

Ready to get started?

If you’re ready to access estimated 2025 loan limits early and gain an edge in this market, reach out to your Movement loan officer.

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Author: Movement Team

About Movement Mortgage, LLC (“Movement”)

Movement is not just a mortgage company – they’re an Impact Lender and force for positive change. With more than 4,000 teammates across all 50 states, they reinvest the majority of our profits back into the communities they serve. Movement is the 10th ranked top-producing residential mortgage company in the U.S., funding more than $20 billion in residential mortgages annually. The company has contributed nearly $400 million to the Movement Foundation since 2012, funding the Movement Schools network, affordable housing projects and global outreach efforts. For more information on Movement and Impact Lending, visit movement.com/impactreport .

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