{"id":418039,"date":"2023-11-29T16:29:48","date_gmt":"2023-11-29T21:29:48","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=418039"},"modified":"2023-11-29T16:29:52","modified_gmt":"2023-11-29T21:29:52","slug":"ginnie-mae-revises-definition-of-high-balance-loans-in-new-guidance","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/ginnie-mae-revises-definition-of-high-balance-loans-in-new-guidance\/","title":{"rendered":"Ginnie Mae revises definition of high-balance loans in new guidance"},"content":{"rendered":"\n<p>Government-owned corporation <a href=\"https:\/\/www.housingwire.com\/tag\/ginnie-mae\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ginnie Mae<\/strong><\/a> announced on Wednesday that it has revised its definition for high-balance loans, conforming to new limits announced earlier this week by the <a href=\"https:\/\/www.housingwire.com\/tag\/fhfa\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Federal Housing Finance Agency<\/strong><\/a> (FHFA), according to All Participants Memorandum (APM) <a href=\"https:\/\/www.ginniemae.gov\/issuers\/program_guidelines\/Lists\/MBSGuideAPMsLib\/Attachments\/154\/APM_23-13.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">23-13<\/a>.<\/p>\n\n\n\n<p>\u201cUnder the new definition, effective for pools or loan packages submitted on or after Jan. 1, 2024, a \u2018high balance loan\u2019 is defined as a single-family forward mortgage loan with an original principal balance (minus the amount of any up-front mortgage insurance premium) that exceeds the [new] limits,\u201d the company said in a statement.<\/p>\n\n\n\n<p>For the contiguous 48 states and the District of Columbia, American Samoa and Puerto Rico, the new maximum loan amounts for a one-unit property is $766,550, while in special areas, including Alaska, Hawaii, Guam or the U.S. Virgin Islands, the one-unit property limit is \u200b$1,149,825\u200b\u200b. (These figures are net of any financed mortgage insurance premium or guaranty fee.) <\/p>\n\n\n\n<p>High-balance loans are eligible for Ginnie Mae mortgage-backed securities (MBS) under conditions specified in <a href=\"https:\/\/www.ginniemae.gov\/issuers\/program_guidelines\/Lists\/MBSGuideAPMsLib\/Attachments\/154\/Chapter_09.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">chapter nine<\/a> of its MBS Guide.<\/p>\n\n\n\n<p>On Tuesday, FHFA announced that the baseline conforming loan limit for mortgages backed by <a href=\"https:\/\/www.housingwire.com\/tag\/fannie-mae\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Fannie Mae<\/strong><\/a> and <a href=\"https:\/\/www.housingwire.com\/tag\/freddie-mac\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Freddie Mac<\/strong><\/a> in 2024 will increase to $766,550. That&#8217;s up 5.5% compared to the current limit of <a href=\"https:\/\/www.housingwire.com\/articles\/government-to-back-mortgages-up-to-1-million-in-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">$726,200<\/a>. The conforming loan limit increase slowed compared to 2023, reflecting the slower pace of home-price appreciation this year.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.housingwire.com\/tag\/fha\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Federal Housing Administration<\/strong><\/a> (FHA) also announced <a href=\"https:\/\/www.housingwire.com\/articles\/fha-loan-limits-increase-to-498257-in-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">changes to its own lending limits<\/a> for forward and reverse mortgages. The FHA is increasing its \u201cfloor\u201d and \u201cceiling\u201d FHA loan limits in 2024 to $498,257 and $1,149,825, respectively, for a one-unit property.<\/p>\n\n\n\n<p>The FHA-backed Home Equity Conversion Mortgage (HECM) program operates off of a single national limit. For 2024, it is <a href=\"https:\/\/www.housingwire.com\/articles\/fhas-hecm-loan-limit-rises-above-1-1-million-in-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">increasing to $1,149,825<\/a>, or 150% of the conforming loan limits on mortgages backed by Fannie Mae and Freddie Mac.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The new high-balance loan guidance follows FHFA&#8217;s revised conforming loan limits for a one-unit property released earlier in the week.<\/p>\n","protected":false},"author":7007,"featured_media":417954,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1692,4590,268078],"tags":[2683,2346,3449],"coauthors":[239905],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v21.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ginnie Mae revises definition of high-balance loans in new guidance - HousingWire<\/title>\n<meta name=\"description\" content=\"The new high-balance loan guidance follows FHFA&#039;s revised conforming loan limits for one-unit properties released earlier in the week.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/ginnie-mae-revises-definition-of-high-balance-loans-in-new-guidance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ginnie Mae revises definition of high-balance loans in new guidance - 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He got his start as a professional writer talking about the entertainment industry, but transitioned to the B2B arena by providing industry news to market researchers. 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