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.