The marketing item this week is a number rather than a rule: the conforming loan limit your investors are using right now. Ahead of FHFA's official 2027 announcement, lenders have set their own early limits and they do not agree. Pennymac is at $850,000 for one-unit properties, UWM at $847,440, and at least eight other lenders at $845,000. For a borrower whose loan amount lands between those figures, the lender they choose decides whether the file prices as conforming or as jumbo. Bankrate has conventional at 7.15% and jumbo at 7.30% today — on an $848,000 loan that is about $86 a month, or roughly $31,000 across a 30-year term, decided entirely by which desk the file went to.
The rate side sharpens the same point. Bankrate's conventional 30-year printed 7.15% today, the top of a 90-day range running 6.47% to 7.15% and 43 basis points above where the series sat a month ago. Rates have moved up steadily since June rather than down, so the outreach that works right now is not a savings story — it is a decision story, and two decisions are live. One is which loan limit the borrower's lender honors. The other is whether a conventional-eligible borrower has actually priced the government option: FHA sits at 6.87% and VA at 6.86% against that 7.15% conventional, roughly $75 a month on a $400,000 loan, principal and interest only, before mortgage insurance enters the comparison.
Build one asset this week and send it two ways. The asset is a single page showing the same loan amount priced three ways — conforming at the limit your investor honors, jumbo, and where the borrower qualifies a government structure — with the monthly payment under each and nothing else competing for attention. Send it to borrowers as the answer to the question they are actually asking, which is which lender to use. Send the same page to listing agents carrying inventory in that price band, where it works as a reason to call you first: the agent version does not need a rate quote, it needs the sentence that buyers at this price point are being priced differently depending on who they call.
identify the three listing agents in your market with active inventory that would produce a loan between $845,000 and $850,000, and send each one the limit your primary investor is honoring alongside the monthly-payment difference against jumbo.