The rate picture is quiet this weekend and there are no new lender, GSE or regulatory moves to react to, so today leans into content you can build ahead of a moment you know is coming. FHFA has not yet announced the 2027 conforming loan limits. The 2026 baseline for a one-unit home in most of the country is $832,750, and National Mortgage Professional reports that more than 50 lenders are already financing under anticipated 2027 limits as high as $850,000. FHFA's own method is public: under HERA, the baseline moves by the change in its house price index from the third quarter of one year to the third quarter of the next. That gives you something true to say today, and a reason to follow up the day the number is official.
On rates, Bankrate's conventional 30-year reads 7.55%, matching the top of its 90-day range of 6.58% to 7.55%, and rates have moved up over the past month. On a $400,000 loan that is about $2,811 a month in principal and interest. Bankrate's jumbo 30-year sits at 7.60%, only 5 hundredths above, so for a borrower near the line the rate is not the story. On an $850,000 loan that gap is about $30 a month. What changes on either side of the limit is the program, the documentation and the investor, and that is a conversation to have with a move-up buyer before they write an offer.
The tactical move is a two-part content piece you build now and finish later. Part one goes out this week: a short explainer on what the conforming limit is, what it is in 2026, and how FHFA sets it, ending with an invitation to message you if they are shopping near that size. Part two is drafted and saved, with a blank for the 2027 figure, so it ships the same day FHFA publishes. Send part one to past purchase clients who bought two to five years ago, and to any open pre-approval near that size.
Draft the part-two announcement email with the 2027 limit left blank, save it in your CRM, and schedule part one to go out Monday morning!