--- title: Loan Limit Increases Announced for Second Consecutive Year description: Loan limit increases have been announced for a second-straight year. Before the limits change for the new year, you'll want to make sure you're up to date. image: https://www.mortech.com/hubfs/2015_redesign/blog_images/2017/shutterstock_552374344.jpg --- [![Get my demo](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/25649/1c6fbee1-0d0c-4238-8485-13c8e3f73157.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/25649/1c6fbee1-0d0c-4238-8485-13c8e3f73157) [![mortech](https://www.mortech.com/hubfs/2015_redesign/mortech_logos/mortech_logo_white.png) ![mortech](https://www.mortech.com/hubfs/2015_redesign/mortech_logos/rings_logo_white.png) ](https://www.mortech.com/) # Mortech Blog # 855.298.9327 # Loan Limit Increases Announced for Second Consecutive Year Posted by [Lori Christenson](https://www.mortech.com/mortechblog/author/lori-christenson) on Dec 6, 2017 11:34:55 AM - [Tweet](https://twitter.com/share) ![lori_12-6-17.jpg](https://www.mortech.com/hs-fs/hubfs/2015_redesign/blog_images/2017/lori_12-6-17.jpg?width=360&height=144&name=lori_12-6-17.jpg)Right around December 1st of every year, the mortgage industry waits patiently to find out if the conforming loan limits will be adjusted.  For many years, this date was much less significant. That was the case up until last year when the loan limits increased for the first time since the economic crisis. This year we were prepared for the change as the Federal Housing Finance Agency (FHFA) [announced](https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Maximum-Conforming-Loan-Limits-for-2018.aspx) increases in all but 71 counties.   For Contiguous States, District of Columbia, and Puerto Rico the maximum loan amounts for 2018 are as follows: 1-unit     $453,100 2-unit     $580,150 3-unit     $701,250 4-unit     $871,450   High Cost Areas (excluding Puerto Rico) 1-unit     $679,650 2-unit     $870,225 3-unit     $1,051,875 4-unit     $1,307,175   For Alaska, Guam, Hawaii, and the U.S. Virgin Islands the maximum loan amounts for 2018 are as follows: 1-unit     $679,650 2-unit     $870,225 3-unit     $1,051,875 4-unit     $1,307,175   High Cost Areas 1-unit     $1,019,475 2-unit     $1,305,325 3-unit     $1,577,800 4-unit     $1,960,750   Loan limit increases follow the increases we see in home prices. Over the last 4 quarters we saw an increase of 6.8 percent in home prices in the United States. This percentage is the increase we will see in the 2018 loan limits. For high-cost areas we have a ceiling amount of 150 percent of the conforming loan limit.   These new loan limits will apply to loan delivered to Fannie Mae and Freddie Mac in 2018. That means applications taken in 2017, but delivered after the first of the year, can apply the new limits. With this update, loan limits will come into alignment with the rising home values we have been seeing. See the [full list](https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx) of loan limit increases provided by FHFA before they go into effect.   ![Loan Limit Increases Announced](https://www.mortech.com/hubfs/2015_redesign/blog_images/2017/shutterstock_552374344.jpg "Loan Limit Increases Announced") ### News & Events Get the latest Mortech product announcements, company updates, and mortgage news delivered to your inbox. ### Subscribe to email updates ### Recent Posts ### Posts by Topic - [Compliance (2)](https://www.mortech.com/mortechblog/topic/compliance) - [Mortgage Compliance (2)](https://www.mortech.com/mortechblog/topic/mortgage-compliance) - [Mortgage Technology Top 50 Service Provider (1)](https://www.mortech.com/mortechblog/topic/mortgage-technology-top-50-service-provider) - [mortgage hedging (1)](https://www.mortech.com/mortechblog/topic/mortgage-hedging) ### Demo [Products](https://www.mortech.com/solutions) [Mortgage Pricing Engine](https://www.mortech.com/mortgage-pricing-engine) [Predictive Analytics](https://www.mortech.com/customer-retention-with-mortech-protection) [Mortgage APIs](https://www.mortech.com/mortgage-apis) [Online Rate Quoting](https://www.mortech.com/online-automated-rate-quoting) [Secondary Marketing](https://www.mortech.com/secondary-marketing) [About Us](https://www.mortech.com/about-us) [Partners](https://www.mortech.com/partners) [Investors](https://www.mortech.com/investors) [Contact Us](https://www.mortech.com/about-us/contact-us) [Testimonials](https://www.mortech.com/testimonials) [News & Events](https://www.mortech.com/mortechnews) [Blog](https://www.mortech.com/mortechblog) [Conference Calendar](https://www.mortech.com/conference-calendar) Follow Us Contact Us [855.298.9327](tel:855.298.9327) [sales@mortech.com](mailto:sales@mortech.com) [support@mortech.com](mailto:support@mortech.com) [Terms of Use](https://www.zillowgroup.com/terms-of-use-privacy-policy/)    |     © 2026 Mortech, a Zillow Group business, All Rights Reserved