Susan Zeiber NMLS 73404, Mortgage Source of Fayetteville, Inc. NMLS 62757

09/17/2026

09/16/2026

09/15/2026 - Increasing Conventional Conforming Loan Limits

Increasing the conforming loan limits allows more borrowers to qualify for an agency- conforming balance loan program, taking advantage of the following benefits.
With many markets throughout the country seeing home values appreciate, and to sustain our goal of supporting homeowners, we are pleased to announce that the conforming loan limit has been updated to $845,000 ($1,267,500 in Alaska and Hawaii) for all 1-unit conventional transactions effective for loans locked on or after September 15, 2026.

Increasing the conforming loan limits allows more borrowers to qualify for an agency- conforming balance loan program, taking advantage of the following benefits.

Down payments as low as 3%.

Lower interest rates than agency high balance loans.

Lower minimum FICO scores than Jumbo loans.

Note: Existing locks will not be allowed to apply the new interim loan limits, no exceptions.



Contiguous U.S. (including Washington, D.C.):

1-unit: $845,000

2-units: $1,081,950

3-units: $1,307,800

4-units: $1,625,350



Alaska and Hawaii

1-unit: $1,267,500

2-units: $1,622,925

3-units: $1,961,700

4-units: $2,438,025

09/14/2026

Great looking pots!

09/02/2026

🏡 DON’T WAIT FOR THE “PERFECT” MORTGAGE RATE!

Waiting for mortgage rates to drop isn’t a strategy—it’s a hope.
And here’s the reality: If rates do come down, home prices and buyer competition could rise right along with them.

Today’s buyers may have opportunities that weren’t available during the fast-paced housing markets of recent years. Sellers and builders are offering incentives that can help reduce the upfront cost of buying a home.

🔑 New Construction Buyers, Pay Attention!
Depending on the subdivision, JSJ Builders may offer buyer incentives ranging from:

💰 $10,000–$25,000 Use-As-You-Choose
💵 Closing Costs Paid
🧊 Matching Stainless-Steel Refrigerator
🪟 Blinds Included
🏡 Privacy Fence Included
📉 And, in some cases, price reductions

That means the home you want today could potentially be more affordable than you think—even with today’s mortgage rates.

🏠 “MARRY THE HOUSE. DATE THE RATE.”

If you find the right home for your family and the payment fits comfortably within your budget, buying now could make sense.
You can’t predict exactly where mortgage rates, home prices, or competition will go.

But if rates improve later, refinancing may be an option.
On the other hand, when rates fall, more buyers often enter the market. That can mean:

📈 Higher prices
👥 More competition
💰 Fewer seller incentives
⏳ More pressure to make a quick decision

Don’t wait for perfect conditions. Look for the right opportunity.
If you’re thinking about buying a home, let’s look at what’s available, what incentives you may qualify for, and what fits your budget TODAY.

🏡 B Snugg At Home Realty w/ eXp Realty
Your
📍 Serving the Carolina Heartland
📞 910-366-0802

08/30/2026

Sunday Inspiration 😉
Give thanks in all circumstances; for this is God's will for you in Christ Jesus
1 Thessalonians 5:18

08/30/2026

PSA 📣

08/30/2026

The only people who deserve to be in your life are the ones who treat you with love, kindness, and respect. 💖