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2022 Fannie Mae and Freddie Mac Conforming Loan Limits

The Martini Group at Cardinal Financial Company supports the projected 2022 Fannie Mae | Freddie Mac Conforming loan limits (a.k.a. Conventional loan limits or Agency loan limits) ahead of the Federal Housing Finance Agency (FHFA) official announcement.  The 2022 conforming loan limits with the Martini Group are not just available in the  Raleigh, North Carolina area (a.k.a. the Triangle)…they are in effect for all 100 counties in North Carolina and every state too!

What are the new 2022 Fannie Mae and Freddie Mac Conforming Loan Limits?

TRIVIA: conforming loans have this name because they ‘conform’ to the Fannie Mae & Freddie Mac guidelines.

Recent History of Baseline Conforming Loan Limits | Wake County, North Carolina | 2000-2022
Why the big jump in conforming loan limits?

Per the Housing and Economic Recovery Act, annually the baseline maximum conforming loan limit needs to be adjusted to reflect the change in the average U.S. home price.  The FHFA typically releases the conforming loan limit for the year ahead in November, when it publishes the Home Price Index (HPI) for the third quarter. Even though the official conforming loan limit won’t be known until the third quarter data is available, to help the families the Martini Group at Cardinal Financial Company serves – available now are ‘conforming loans’ of up to $625,000 (and higher for more units). 

Does the Martini Group offer low downpayment conforming (Fannie Mae | Freddie Mac) loans?

YES, the Martini Group offers low down payment conforming loans!

If you are dreaming of buying a home and are concerned about the down payment, don’t be.  It is a myth that you have to put 20% down to buy a home. Freddie Mac has a program called Home Possible and Fannie Mae has a program called HomeReady.  Both programs are low down payment options for first-time homebuyers and repeat homebuyers too!

For more information about these programs contact Kevin Martini or Logan Martini with the Martini Group at Cardinal Financial by calling (919) 238-4934.

Kevin Martini

Kevin Martini is the founder of the Martini Mortgage Group; Branch Manager and Senior Mortgage Strategist with Cardinal Financial Company; a husband to a magnificent lady who was his high school sweetheart; a father of 2 amazing men; a son to tremendous parents; a grandfather to beautiful grandchildren; a loyal friend; a trusted and experienced advisor to the families he serves.

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