United Wholesale Mortgage (UWM) increased its conforming loan ceiling on Wednesday, months before the Federal Housing Finance Agency (FHFA) is expected to announce official 2026 limits in November.

Effective immediately, UWM raised the one-unit conforming loan limit from $806,500 to $819,000 for conventional and Department of Veterans Affairs (VA) loans. The change reflects the company’s forecast of a 1.5% increase in FHFA’s baseline in 2026. 

“This proactive move allows brokers to offer larger loan amounts, enabling more borrowers to avoid moving into high balance or jumbo loans, which typically come with higher rates and stricter underwriting guidelines,” details ⇒

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