Above the Line method
How we research
The line, briefly
Every page on Above the Line starts from a question a reader is likely to ask and ends with the primary source that answers it. FHFA's conforming loan limit data and its explanations of how limits are set are the main references here, and they are rechecked when new limits are published.
Last reviewed against the primary sources listed below.
Where questions come from
We start with the wording real readers use, collected from free public search suggestions, and keep only questions that fit this site's subject.
Sources we rely on
Pages cite these primary sources, among others. Each guide lists the exact sources it used at the bottom of the page.
- FHFA: Conforming loan limit values
- FHFA: About FHFA
- Fannie Mae: About us
- Freddie Mac: About us
- Fannie Mae Selling Guide B2-1.1-01: Occupancy types
- CFPB: What is a Loan Estimate?
- CFPB: What is a home equity line of credit (HELOC)?
- CFPB: Home equity loans, cash-out refinances and other options similar to a HELOC
How a page is checked
- Each rule is checked against the current version of its source document.
- Simplified explanations are reread against the original text.
- The review date at the top of the page is updated only after that check.
Pages written this way
- What is the conforming loan limit? Conforming vs jumbo
- How FHFA sets the conforming loan limit each year
- High-cost area loan limits: why some counties are higher
- Conforming loan limits for 2, 3 and 4-unit homes
- High-balance conforming loan vs jumbo loan: the difference
- How to avoid a jumbo loan: staying under the conforming limit
- Does the conforming limit apply to price or loan amount?
- FHA loan limits vs conforming loan limits: the difference
About the Above the Line checker
The Above the Line checker uses only what you type, works entirely in the browser and keeps nothing.
FHFA and agency sources
- FHFA: Conforming loan limit values
- FHFA: About FHFA
- Fannie Mae: About us
- Freddie Mac: About us
- Fannie Mae Selling Guide B2-1.1-01: Occupancy types
- CFPB: What is a Loan Estimate?
- CFPB: What is a home equity line of credit (HELOC)?
- CFPB: Home equity loans, cash-out refinances and other options similar to a HELOC