{"id":5089,"date":"2026-03-16T08:33:48","date_gmt":"2026-03-16T13:33:48","guid":{"rendered":"https:\/\/riverbankfinance.com\/blog\/?p=5089"},"modified":"2026-03-16T09:44:59","modified_gmt":"2026-03-16T14:44:59","slug":"2026-conventional-loan-limits-in-michigan","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/2026-conventional-loan-limits-in-michigan\/","title":{"rendered":"2026 Conventional Loan Limits in Michigan"},"content":{"rendered":"\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">2026 Conventional Loan Limits in Michigan have been put into action, jumping up yet again as home values have continued to increase throughout 2025. The FHFA has officially announced the 2026 Conventional Loan Limits at $832,750 for Single Family Homes. <\/p>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">Each year, the FHFA adjusts the conforming loan limits based on its third quarter\u00a0<a href=\"https:\/\/www.fhfa.gov\/news\/news-release\/u.s.-house-prices-rise-2.2-percent-year-over-year-up-0.2-percent-quarter-over-quarter\" title=\"\">House Price Index<\/a>\u00a0(HPI). House prices rose in 44 states and the District of Columbia between the third quarter of 2024 and the third quarter of 2025.\u00a0This report shows a 2.2% increase in home values.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading wp-embed-aspect-16-9 wp-has-aspect-ratio\">The History of Conventional Loan Limits<\/h2>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">The 2025 Conventional loan limit is set at $806,500 for single family homes. Using the rate of appreciation, the FHFA has set the 2024 Conventional Loan Limit at $806,500 for single family homes. This is an increase of $26,250 compared to the previous year.\u00a0In high-cost areas, loans are capped at $1,249,125 up from $1,149,825 last year which is an increase of $99,300.<\/p>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">For 2025 Conventional loan limits were set at $806,500 for single family homes. Using the rate of appreciation of 4.40% from the <a href=\"https:\/\/www.fanniemae.com\/research-and-insights\/surveys-indices\/fannie-mae-home-price-index\" title=\"\">Fannie Mae Home Price Index<\/a>, the new 2025 Conventional Loan Limits in Michigan are now $832,750.<\/p>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">The <a href=\"https:\/\/www.fhfa.gov\/Media\/PublicAffairs\/Pages\/FHFA-Announces-Conforming-Loan-Limit-Values-for-2024.aspx\" title=\"\">Federal Housing Finance Agency<\/a> (FHFA) has issued the conforming loan limit values that will apply to conventional loans to be acquired by us in 2026. The first mortgage conforming loan limit values are defined in terms of baseline loan limits and high-cost area loan limits. The limits are increasing in 2026.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"2024 Conventional Loan Limits for Michigan Mortgages\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/LhjSv7QI2sg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading wp-embed-aspect-16-9 wp-has-aspect-ratio\">2026 Conventional Loan Limits in Michigan by Property Type:<\/h2>\n\n\n\n<ul class=\"wp-block-list wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<li>One-unit property: $832,750<\/li>\n\n\n\n<li>Two-unit property: $693,050<\/li>\n\n\n\n<li>Three-unit property: $837,700<\/li>\n\n\n\n<li>Four-unit property: $1,041,125<\/li>\n<\/ul>\n\n\n\n<p>High Costs Area Conventional Loan Limits for 2026<\/p>\n\n\n\n<ul class=\"wp-block-list wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<li>One-unit property: $1,249,125<\/li>\n\n\n\n<li>Two-unit property: $1,599,375<\/li>\n\n\n\n<li>Three-unit property: $1,933,200<\/li>\n\n\n\n<li>Four-unit property: $2,402,625<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">In order for these areas to be deemed as high cost, 115% of the local median home value must exceed the baseline loan limit for that county. The high cost loan limited in these areas will increase by 150% of the baseline. <\/p>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">This makes the maximum loan limit for these areas $1,249,125. A map of the U.S. counties and their maximum loan limits using the <a href=\"https:\/\/www.fhfa.gov\/DataTools\/Tools\/Pages\/Conforming-Loan-Limit-Map.aspx\" title=\"\">loan limit map<\/a>. There are no counties in Michigan that are considered to be a high cost area.<\/p>\n\n\n\n<h2 class=\"wp-block-heading wp-embed-aspect-16-9 wp-has-aspect-ratio\">Michigan 2026 Conventional Loan Limits by County<\/h2>\n\n\n\n<figure class=\"wp-block-table wp-embed-aspect-16-9 wp-has-aspect-ratio\"><table><tbody><tr><td><strong>County   Name<\/strong><\/td><td><strong>State<\/strong><\/td><td><strong>One Unit Limit<\/strong><\/td><td><strong>Two Unit Limit<\/strong><\/td><td><strong>Three Unit Limit <\/strong><\/td><td><strong>Four Unit Limit<\/strong><\/td><\/tr><tr><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Alcona-County-Mortgage-Company\/\">Alcona<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125<\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Alger-County-Mortgage-Company\/\">Alger<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Allegan-County-Mortgage-Company\/\">Allegan<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Alpena-County-Mortgage-Company\/\">Alpena<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Antrim-County-Mortgage-Company\/\">Antrim<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Arenac-County-Mortgage-Company\/\">Arenac<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Baraga-County-Mortgage-Company\/\">Baraga<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Barry-County-Mortgage-Company\/\">Barry<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Bay-County-Mortgage-Company\/\">Bay<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Benzie-County-Mortgage-Company\/\">Benzie<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125<\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Berrien-County-Mortgage-Company\/\">Berrien<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Branch-County-Mortgage-Company\/\">Branch<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Calhoun-County-Mortgage-Company\/\">Calhoun<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Cass-County-Mortgage-Company\/\">Cass<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Charlevoix-County-Mortgage-Company\/\">Charlevoix<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Cheboygan-County-Mortgage-Company\/\">Cheboygan<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Chippewa-County-Mortgage-Company\/\">Chippewa<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Clare-County-Mortgage-Company\/\">Clare<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Clinton-County-Mortgage-Company\/\">Clinton<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Crawford-County-Mortgage-Company\/\">Crawford<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Delta-County-Mortgage-Company\/\">Delta<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Dickinson-County-Mortgage-Company\/\">Dickinson<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Eaton-County-Mortgage-Company\/\">Eaton<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Emmet-County-Mortgage-Company\/\">Emmet<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Genesee-County-Mortgage-Company\/\">Genesee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Gladwin-County-Mortgage-Company\/\">Gladwin<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Gogebic-County-Mortgage-Company\/\">Gogebic<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Grand-Traverse-County-Mortgage-Company\/\">Grand\n  Traverse<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Gratiot-County-Mortgage-Company\/\">Gratiot<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Hillsdale-County-Mortgage-Company\/\">Hillsdale<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Houghton-County-Mortgage-Company\/\">Houghton<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Huron-County-Mortgage-Company\/\">Huron<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Ingham-County-Mortgage-Company\/\">Ingham<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Ionia-County-Mortgage-Company\/\">Ionia<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Iosco-County-Mortgage-Company\/\">Iosco<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Iron-County-Mortgage-Company\/\">Iron<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Isabella-County-Mortgage-Company\/\">Isabella<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Jackson-County-Mortgage-Company\/\">Jackson<\/a><\/td><td>MI<\/td><td>$647,200 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Kalamazoo-County-Mortgage-Company\/\">Kalamazoo<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Kalkaska-County-Mortgage-Company\/\">Kalkaska<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Kent-County-Mortgage-Company\/\">Kent<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Keweenaw-County-Mortgage-Company\/\">Keweenaw<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Lake-County-Mortgage-Company\/\">Lake<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Lapeer-County-Mortgage-Company\/\">Lapeer<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Leelanau-County-Mortgage-Company\/\">Leelanau<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Lenawee-County-Mortgage-Company\/\">Lenawee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Livingston-County-Mortgage-Company\/\">Livingston<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Luce-County-Mortgage-Company\/\">Luce<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Mackinac-County-Mortgage-Company\/\">Mackinac<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Macomb-County-Mortgage-Company\/\">Macomb<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Manistee-County-Mortgage-Company\/\">Manistee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Marquette-County-Mortgage-Company\/\">Marquette<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Mason-County-Mortgage-Company\/\">Mason<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Mecosta-County-Mortgage-Company\/\">Mecosta<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Menominee-County-Mortgage-Company\/\">Menominee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Midland-County-Mortgage-Company\/\">Midland<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Missaukee-County-Mortgage-Company\/\">Missaukee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Monroe-County-Mortgage-Company\/\">Monroe<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Montcalm-County-Mortgage-Company\/\">Montcalm<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Montmorency-County-Mortgage-Company\/\">Montmorency<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Muskegon-County-Mortgage-Company\/\">Muskegon<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Newaygo-County-Mortgage-Company\/\">Newaygo<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Oakland-County-Mortgage-Company\/\">Oakland<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Oceana-County-Mortgage-Company\/\">Oceana<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Ogemaw-County-Mortgage-Company\/\">Ogemaw<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Ontonagon-County-Mortgage-Company\/\">Ontonagon<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,244,850 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Osceola-County-Mortgage-Company\/\">Osceola<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Oscoda-County-Mortgage-Company\/\">Oscoda<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Otsego-County-Mortgage-Company\/\">Otsego<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Ottawa-County-Mortgage-Company\/\">Ottawa<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Presque-Isle-County-Mortgage-Company\/\">Presque\n  Isle<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Roscommon-County-Mortgage-Company\/\">Roscommon<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Saginaw-County-Mortgage-Company\/\">Saginaw<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Saint-Clair-County-Mortgage-Company\/\">Saint\n  Clair<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Saint-Joseph-County-Mortgage-Company\/\">Saint\n  Joseph<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Sanilac-County-Mortgage-Company\/\">Sanilac<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Schoolcraft-County-Mortgage-Company\/\">Schoolcraft<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Shiawassee-County-Mortgage-Company\/\">Shiawassee<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Tuscola-County-Mortgage-Company\/\">Tuscola<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Van-Buren-County-Mortgage-Company\/\">Van\n  Buren<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Washtenaw-County-Mortgage-Company\/\">Washtenaw<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Wayne-County-Mortgage-Company\/\">Wayne<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$837,700<\/td><td>$1,041,125 <\/td><\/tr><tr><td><a href=\"https:\/\/riverbankfinance.com\/mortgage-refinance\/Michigan\/Wexford-County-Mortgage-Company\/\">Wexford<\/a><\/td><td>MI<\/td><td>$832,750 <\/td><td>$693,050<\/td><td>$1,001,650 <\/td><td>$1,041,125<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading wp-embed-aspect-16-9 wp-has-aspect-ratio\">Apply for a Conventional Home Loan <\/h2>\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\">The majority of all mortgages are <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/conventional-mortgage.html\">conventional loans<\/a>. Conventional loans offer some of the lower mortgage rates and payments available for buying a home or refinancing. To apply for a Conventional Home Loan call Riverbank Finance today at 1-800-555-2098. <\/p>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/5089#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"ApplyFullHeader\" id=\"apply_form\">\n\t<p class=\"replaceheader\">Request Information Now!\n\t<\/p>\n<\/div>\n<div class=\"blueBox\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\n\t<\/p>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t<\/p>\n<\/div>\n<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"76\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<p class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio\"><strong>Other Resources<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<li><a href=\"https:\/\/www.fhfa.gov\/document\/fullcountyloanlimitlist2025_hera-based_final_flat.xlsx\" title=\"\">List of 2026 conforming loan limits<\/a>\u200b for all counties and county-equivalent areas in the\u00a0United States.\u00a0<\/li>\n\n\n\n<li>A\u00a0<a href=\"https:\/\/www.fhfa.gov\/document\/fhfa-cll-addendum-cy2026.pdf\" title=\"\">map showing the 2026 conforming loan limits<\/a>\u00a0across the United States.<\/li>\n\n\n\n<li>Detailed addendum of the&nbsp;<a href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Documents\/Conforming-Loan-Limit\/FHFA-CLL-Addendum-CY2024.pdf\">methodology used to determine the conforming loan limits<\/a>.<\/li>\n\n\n\n<li>List of&nbsp;<a href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Documents\/Conforming-Loan-Limit\/FHFA-CLL-FAQs.pdf\">FAQs<\/a>&nbsp;that covers broader topics that may be related to CLL values.<\/li>\n\n\n\n<li>Questions about the 2025 CLL values may be addressed to&nbsp;<a href=\"mailto:LoanLimitQuestions@fhfa.gov\">LoanLimitQuestions@fhfa.gov<\/a>.<\/li>\n\n\n\n<li>For more information, visit&nbsp;<a href=\"https:\/\/www.fhfa.gov\/CLL\">https:\/\/www.fhfa.gov\/CLL<\/a>\u200b.\u200b<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2026 Conventional Loan Limits in Michigan have been put into action, jumping up yet again as home values have continued to increase throughout 2025. The FHFA has officially announced the 2026 Conventional Loan Limits at $832,750 for Single Family Homes. Each year, the FHFA adjusts the conforming loan limits based on its third quarter\u00a0House Price<a class=\"excerpt-read-more\" href=\"https:\/\/riverbankfinance.com\/blog\/2026-conventional-loan-limits-in-michigan\/\" title=\"Read2026 Conventional Loan Limits in Michigan\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":5095,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-michigan"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5089","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=5089"}],"version-history":[{"count":3,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5089\/revisions"}],"predecessor-version":[{"id":5097,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5089\/revisions\/5097"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/media\/5095"}],"wp:attachment":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=5089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=5089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=5089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}