When a jumbo mortgage balance can move into a conforming refinance
FHFA and consumer sources
Crossover answer
Jumbo to Conforming relies on FHFA's limit tables, Fannie Mae's refinance rules and CFPB and Freddie Mac refinance guidance.
Last reviewed against the primary sources listed below.
Checked against
We compare each page with these sources when limits or rules change.
FHFA and consumer sources
- FHFA: Conforming loan limit values
- FHFA: About FHFA
- Fannie Mae Selling Guide B2-1.3-02: Limited cash-out refinance
- Fannie Mae Selling Guide B2-1.3-03: Cash-out refinance transactions
- Fannie Mae Selling Guide B3-4.1-01: Minimum reserve requirements
- CFPB: Loan Estimate explainer
- CFPB: What is a Loan Estimate?
- CFPB: What's the difference between a mortgage lender and a mortgage servicer?
- Freddie Mac My Home: Refinancing your mortgage