¹For 2025, the baseline conforming loan limit for a one‑unit property in most of the United States is $806,500, representing a 5.2 % increase from 2024. (FHFA.gov) For 2026, the baseline limit will rise to $832,750, a further increase of approximately 3.26 % over 2025. (Fannie Mae)

²For Jumbo Loans, borrowers are typically required to maintain between six (6) and twelve (12) months of their total Principal, Interest, Taxes, and Insurance (PITI) payments in liquid reserves. These reserves must be readily accessible and are in addition to any down payment or closing costs, serving as a financial cushion to ensure the borrower can continue making mortgage payments even in the event of unforeseen circumstances.