Key facts
- Rocket Mortgage raised its conforming loan limit to $845,000 for single-family homes in 48 states.
- The new limit is effective immediately for retail and Rocket Pro customers.
- The new cap represents a 1.47% increase from the current 2026 limit of $832,750.
- Rocket Mortgage set its conforming loan limit at $1,267,500 for Alaska and Hawaii.
Rocket Mortgage announced Thursday that it has raised its conforming loan limit to $845,000 for single-family homes in 48 states, effective immediately. This move positions Rocket ahead of the Federal Housing Finance Agency's (FHFA) official limits, which are typically announced in November. The new cap represents a 1.47% increase from the current 2026 limit of $832,750.
CrossCountry Mortgage (CCM) has also raised its conforming loan limit to $845,000 through an “Early Bird” program, matching Rocket Mortgage's earlier move. CCM stated that its aim is to give borrowers earlier access to larger conforming loan amounts and more purchasing power in a market still defined by elevated home prices.
Rocket Mortgage also set its conforming loan limit at $1,267,500 for Alaska and Hawaii, effective immediately. Kyle Schoenmaker, Rocket Pro's SVP of sales, stated that the company's liquidity and balance sheet allowed for this early implementation, aiming to better serve partners and their clients, especially in a challenging market.
The FHFA sets baseline conforming loan limits each November, which dictate the maximum mortgage size that Fannie Mae and Freddie Mac can purchase. Loans that exceed FHFA’s official limit fall into the jumbo market.