{"id":261,"date":"2026-10-03T17:00:00","date_gmt":"2026-10-03T17:00:00","guid":{"rendered":"https:\/\/www.ericbergersrealestate.com\/blog\/?p=261"},"modified":"2026-10-03T17:00:00","modified_gmt":"2026-10-03T17:00:00","slug":"the-832750-line-before-jumbo-loans-fyp","status":"publish","type":"post","link":"https:\/\/www.ericbergersrealestate.com\/blog\/2026\/10\/03\/the-832750-line-before-jumbo-loans-fyp\/","title":{"rendered":"The $832,750 Line Before Jumbo Loans | fyp"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/eric-bergers\/jumbo-mortgage-rates-jump-past-conforming-what-the-832750-limit-means-remotion-videos-ed6d\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>In Late-Q3, an industry survey showed avg. 30-yr fixed jumbo pricing moved above conforming, with both loan types hovering near 7% after a jump.<br \/>\nThe key line for 2026 was the national one-unit conforming limit: $832.8K in most US counties, with ceilings reaching $1.25M in higher-cost areas.<br \/>\nCross that county limit and borrowers generally entered jumbo underwriting, where pricing can change faster, making it smart to compare both options before locking.<br \/>\nFor buyers near the cutoff, larger down payments, price negotiation, or a piggyback second loan could keep the first mortgage conforming and in range.<br \/>\nThe 2026 baseline limit stays a planning constant, but jumbo-conforming spreads can shift week to week, so re-shop quotes whenever you lock.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In Late-Q3, an industry survey showed avg. 30-yr fixed jumbo pricing moved above conforming, with both loan types hovering near 7% after a jump. The key line for 2026 was the national one-unit conforming limit: $832.8K in most US counties, with ceilings reaching $1.25M in higher-cost areas. Cross that county limit and borrowers generally entered [&hellip;]<\/p>\n","protected":false},"author":125,"featured_media":262,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/users\/125"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=261"}],"version-history":[{"count":1,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/261\/revisions"}],"predecessor-version":[{"id":295,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/261\/revisions\/295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media\/262"}],"wp:attachment":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}