At a Glance:

• Ameris Bank has increased its baseline conforming loan limit to $819,000 for single-unit properties in most areas.
• The change is effective immediately for new and existing loan applications.
• Conforming loans typically offer lower rates and simpler qualification than jumbo loans.
• Early adjustments have become more common in recent years as lenders respond to affordability challenges and rising home prices.

Ameris Bank has increased its conforming loan limit to $819,000 for single-unit properties in most areas, effective immediately for new and existing loan applications. This adjustment comes ahead of the Federal Housing Finance Agency’s (FHFA) official 2026 announcement, expected in November.

The new baseline limit represents a 1.5% increase over the FHFA’s 2025 cap of $806,500. In high-cost markets, the conforming loan limit has also been raised, though final figures may vary by location.

What is a Conforming Loan Limit?

Conforming loan limits define the maximum mortgage size eligible for purchase by government-sponsored enterprises like Fannie Mae and Freddie Mac. Loans above this threshold are considered “jumbo” and typically carry stricter underwriting requirements and higher interest rates.

On September 26, 2025, the average rate for a conforming 30-year fixed was 6.33%, while the average rate for a jumbo 30-year fixed mortgage was 6.56%.¹

Why Adjust Early?

“By increasing our limits ahead of the official FHFA update, we’re helping borrowers access conventional financing sooner,” said Brett Hively, Senior Vice President and Mortgage Capital Markets and Financial Strategist at Ameris Bank. “It’s a proactive step that reflects our commitment to staying ahead of market conditions.”

Industry Context

In recent years, it has become more common for lenders to raise conforming loan limits in advance of the FHFA’s annual update. This shift began around 2021, as lenders sought to respond more quickly to rising home prices and affordability challenges.

“Conforming loan limits have risen sharply over the past decade, from $417,000 in 2016 to over $800,000 today,” Hively said. “Raising limits early requires confidence in our forecasting and a strong operational foundation. It’s a calculated decision that allows us to serve borrowers more effectively, while staying aligned with where the market is headed.” 

Early adjustments can help borrowers avoid the higher rates and stricter requirements associated with jumbo loans, while also expanding access to competitive financing options.


Sources
¹ https://www2.optimalblue.com/obmmi

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank does not endorse nor is affiliated with the companies listed in this article.