As a result of rising home prices, the Federal Housing Finance Agency (FHFA) will raise the national conforming loan limit for 2019 by 6.9% – from $453,100 this year to $484,350 next year. Additionally, the high-cost limit – an amount utilized in areas with notably high home prices, including San Francisco – will rise from $679,650 to $726,525.
FHFA raises maximum loan rates for 2019
In Florida, Monroe and Miami-Dade counties could possibly access higher-limit conventional loans. For an breakdown of maximum loans by U.S. county, visit FHFA’s website. Overall, loan limits shall be higher in all but 47 counties or county equivalents throughout the country beginning Jan. 1, 2019.
At the same time, Federal Housing Administration (FHA) loans generally adopt the same loan limits set by FHFA, though 2019 changes have yet to be announced.
The conforming loan limit determines the maximum size of a mortgage that government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac can purchase or “guarantee.” Non-conforming (more than this maximum) or “jumbo loans” usually have tighter underwriting standards and in some cases carry higher mortgage interest rates than conforming loans.
“The National Association of Realtorsยฎ is happy to see the Federal Housing Finance Agency raise its national conforming loan limits for 2019,” says NAR President John Smaby. Today’s decision reflects rising or near-record-high home prices in a number of U.S. markets, and the move helps keep the American Dream attainable for countless families working with Fannie Mae and Freddie Mac. Without this assurance that loan limits keep up with home price growth, borrowers across the country risk being pushed out of the market altogether as mortgage rates and rising home prices continue to hold back potential home-buyers.”
At the conclusion of each year, FHFA updates the national and high-cost limits according to the FHFA’s national price index.
Ready to find your new home here in the Tampa Bay and Surrounding Areas? Nick, Cindy & Nicholas Davis with RE/MAX Premier Group are here to assist you with all your Real Estate Needs. We are always available at 813-300-7116 to answer your questions or you can simplyย click here and we will be in touch with you shortly.
Ways Our Family Can Help Your Family
Start Your Home Search
All Homes For Sale in & Around Tampa
- List View
- Map View
- Grid View
-
-
Lot Size12,197 sqft
-
Home Size3,062 sqft
-
Beds4 Beds
-
Baths4 Baths
-
Year Built2003
-
Days on Market1
-
-
-
Lot Size5,228 sqft
-
Home Size1,248 sqft
-
Beds3 Beds
-
Baths2 Baths
-
Year Built2017
-
Days on Market1
-
-
-
Lot Size7,406 sqft
-
Home Size924 sqft
-
Beds3 Beds
-
Baths2 Baths
-
Year Built1986
-
Days on Market1
-
-
-
Lot Size9,148 sqft
-
Home Size1,540 sqft
-
Beds3 Beds
-
Baths2 Baths
-
Year Built1971
-
Days on Market1
-
-
-
Lot Size5.20 ac
-
Home Size1,792 sqft
-
Beds4 Beds
-
Baths3 Baths
-
Year Built1973
-
Days on Market1
-
-
-
Lot Size10,019 sqft
-
Home Size1,502 sqft
-
Beds3 Beds
-
Baths2 Baths
-
Year Built2025
-
Days on Market1
-
-
-
Lot Size1.82 ac
-
Home Size680 sqft
-
Beds2 Beds
-
Baths2 Baths
-
Year Built1974
-
Days on Market1
-
-
-
Lot Size8,277 sqft
-
Home Size823 sqft
-
Beds1 Bed
-
Baths1 Bath
-
Year Built1979
-
Days on Market1
-
-
-
Lot Size5,228 sqft
-
Home Size1,056 sqft
-
Beds3 Beds
-
Baths2 Baths
-
Year Built2022
-
Days on Market1
-
-
-
Lot Size6,970 sqft
-
Home Size1,040 sqft
-
Beds2 Beds
-
Baths2 Baths
-
Year Built1959
-
Days on Market1
-
-
-
Lot Size5,228 sqft
-
Home Size1,012 sqft
-
Beds2 Beds
-
Baths2 Baths
-
Year Built1960
-
Days on Market1
-
See all All Homes Around Tampa.
(all data current as of
4/22/2025)
Listing information deemed reliable but not guaranteed. Read full disclaimer.