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December 2025 | Mortgage Basics | Presented by ReadySetLoan™️ Conforming loan limits shape how much buyers can borrow while staying within traditional Fannie Mae and Freddie Mac guidelines. These limits shift over time as home prices rise, and understanding how they’ve changed helps buyers, sellers, investors, and homeowners make smart decisions. Here’s a clear, ReadySetLoan™️-style breakdown of how conforming loan limits have evolved — and why the numbers keep moving upward.

November 15th, 2025 | Market Insights | Presented by ReadySetLoan™️ Big news for homebuyers — especially those just starting their credit journey. Fannie Mae has announced a major update to its credit score requirements that could help more Americans qualify for mortgages. By expanding the models it uses and recognizing alternative credit data like rent and utility payments, Fannie Mae aims to make the mortgage process more inclusive while maintaining responsible lending stan

November 14th, 2025 | Market Insights | Presented by ReadySetLoan™️ The U.S. housing market has been stuck in a deep freeze — with high mortgage rates, affordability pressure, and sellers reluctant to let go of low-rate homes. While there are signs of softening (more listings, slightly better sentiment), the thaw is slow and incomplete. Buyers are cautious, sellers remain hesitant, and the rebound hasn’t gained enough heat yet. What’s really keeping the market frozen Even wit

November 13th, 2025 | Market Insights | Presented by ReadySetLoan™️ Markets were brimming with optimism that the Fed would cut short-term rates in December. Just a week ago, that probability was as high as ~91%. Now, those odds have dropped to around ~70% as inflation remains stubborn and internal dissent grows. This change is sending ripples through mortgage markets and borrower expectations. Why the optimism is cooling Even though there was a recent rate cut, some Fed offic