AD Mortgage has increased Conventional loan limits for 1-4-unit properties, giving partners greater flexibility and helping more borrowers stay within Conventional programs.
With home values still elevated and borrowers seeking competitive financing options, loan limits play a critical role in helping more transactions remain within Conventional financing.
What are the Increased Conventional Limits?
With higher Conventional loan limits, partners can finance larger loan amounts, expand eligible borrower scenarios, and create more opportunities to close. AD Mortgage’s conventional loan limits available for new submissions beginning October 7 are as follows:
Units Standard Limit Alaska and the U.S. Virgin Islands 1 Unit $845,000 $1,267,500 2 Units $1,081,950 $1,622,925 3 Units $1,307,800 $1,961,700 4 Units $1,625,350 $2,438,025
‘As one of the best in the industry in 2026, AD Mortgage’s Conventional Loan programs help brokers better serve borrowers and offer flexible options that meet their strategic needs. Our goal is to make homeownership dreams a reality while supporting our partners with the innovative solutions they need,‘ – says Max Slyusarchuk, CEO of AD Mortgage.
‘The increase in Conventional loan limits helps keep mortgages accessible and affordable as housing prices continue to remain elevated. This also helps borrowers avoid larger down payments and, in many cases, tighter assets and credit requirements,’ – comments Rich Hoffmann, SVP National Sales Director.
Have a Conventional Scenario in Mind?
Our wide range of Conventional loan programs is designed to help partners match various client profiles with the right solutions. Our program offerings include:
- Conventional Standard with competitive rates and flexible down payments starting at 3%.
- Freddie Mac HomeOne for first-time homebuyers.
- Fannie Mae HomeReady and Freddie Mac Home Possible for creditworthy, low- and moderate-income borrowers.
- Fannie Mae RefiNow and Freddie Mac Refi Possible for easier refinancing.
Have a client who might benefit from these Conventional mortgage programs? Submit a Scenario Request, and our experts will contact you within 30 minutes with a tailored solution.
FAQ: Conventional Loan Limits
What are the Increased Conventional Loan Limits?
AD Mortgage’s current Conventional loan limits for 1-unit properties are $845,000 in standard areas and $1,267,500 in Alaska and the U.S. Virgin Islands. See the table for limits on 2-4-unit properties.
How Can Partners Benefit from Higher Conventional Loan Limits?
Higher Conventional loan limits give partners more flexibility to finance larger eligible loan amounts, serve a broader range of borrower scenarios, and keep more transactions within Conventional financing.
Which Loan Programs are Eligible for the Increased Limits?
Only Conventional programs are eligible, excluding High-Balance Conventional. Government programs, including FHA and VA, are not eligible.
