What is a conforming loan?
A conforming loan is a mortgage that meets the size limits and underwriting guidelines of Fannie Mae and Freddie Mac, making it eligible for purchase by these government-sponsored enterprises. For 2026, the baseline conforming loan limit in most Kansas counties is $806,500 for a one-unit property.
Loans above the conforming limit are classified as jumbo and follow different (usually stricter) guidelines.
jumbo · conventional · Fannie Mae · Freddie Mac
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