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      910 East 6600 South
      Salt Lake City, UT 84121

      888-643-2133

      NMLS #190465

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      5600 Wyoming Boulevard NE, Suite 20
      Albuquerque, NM 87109

      800-658-9371

      NMLS #1199978

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More Buying Power May Be Closer Than You Think

If you’ve been shopping for a home or planning to buy soon, it may be worth taking another look at your numbers.

Through Intercap Lending’s Advanced Access Program, we can offer conforming loan amounts up to $850,000 ahead of the official 2027 FHFA conforming loan limit announcement.

As a result, a home that may have previously required jumbo financing could now qualify for a conforming loan option instead. For many buyers, that can open the door to more flexibility and more possibilities.

Why This Matters for Your Home Search

A higher conforming loan amount can change more than just your loan size.

Depending on your situation, it could affect:

  • How Much You Need for a Down Payment

  • The Amount of Reserves Required

  • How Mortgage Insurance is Structured

  • The Loan Programs Available to You

  • Whether a Home That Once Required Jumbo Financing Now Has Another Financing Option

In short, you may have more choices than you did just a few weeks ago.

Conforming Loan Limits

It May Be Time to Revisit Your Numbers

A higher conforming loan amount can create options that weren’t available before.

You may not need to save as much before buying. Your down payment, reserves, mortgage insurance, or loan structure could look different, too.

If you’ve been waiting on the sidelines, now may be a good time to take another look.

Talk With an Intercap Loan Officer

The best way to understand what this could mean for your home purchase is to review your options with a local loan officer. Whether you’re actively shopping or just starting to explore your next move, we’re here to help you see what’s possible.

Find a Loan Officer today and see how the Advanced Access Program could impact your buying power.

Find a Loan Officer Near You

*Until FHFA officially announces the new conforming loan limit, eligibility up to $850,000 may vary by investor.

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All loans are subject to credit and underwriting approval. Not all applicants will qualify. We may share customer information with our trusted business partners to assist you with your loan or other mortgage needs. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory (NMLS) for more information. https://nmlsconsumeraccess.org/

Agency Approvals: FNMA – #171430002 / FHLMC – #124731 / FHA – #3213309992 / GNMA #2454 / VA 955023-00-00

© 2024 All rights reserved. Intercap Lending Inc.
910 East 6600 South, Salt Lake City, UT 84121 | NMLS# 190465
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Buy Down Calculator
This calculator is being provided for educational purposes only. The results are estimates that are based on information you provide and may not reflect available product terms from Intercap Lending Inc. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. The information provided cannot be used to determine eligibility for a specific product or service and is not a commitment to lend.
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