Conforming Loan Limits: In Portland, They Are What They Are
Posted on February 16, 2008
Filed Under Portland, Buying Real Estate, Real Estate, General |
Prior to the final passage of the recently signed and inaptly named Stimulus Bill*, it was speculated that the conforming loan limit - the $417,000 cap on loans bought by Freddie Mac and Fannie Mae - would be extended to as much as $729,000, thus allowing such jumbo loans to be financed at a much more agreeable rate.
Via InmanBlog: The bill did have such a provision, but with a twist: It’s capped itself at 125% of a metro area’s median price, up to the max of $729k. Since Portland’s never been above $300k - chart here - the conforming limit will remain where it is, $417k. In fact, only somewhere between eighteen and twenty (HUD has to run the final numbers) areas will be affected at all, and only three up to the max.
*Pulling $170 billion out of the economy in order to put $170 billion back in to the economy - minus the costs of shipping and handling - doesn’t stimulate much of anything.
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