High-Cost Mortgages: Now a Bit Cheaper

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Mortgage costs just got a little cheaper for buyers in high-cost areas.

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The size of loans that can be guaranteed by Freddie Mac and Fannie Mae was raised recently by the Office of Federal Housing Enterprise Oversight.� The new, higher loan limits will stay in effect through the end of the year, allowing the government sponsored enterprises to buy much higher-priced mortgages in some areas of the country.

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Also, the size of the loans the Federal Housing Authority (FHA) can insure was raised by Housing and Urban Development (HUD).

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Both moves will lower borrowing costs for buyers of higher priced homes, and aim to boost flagging real estate markets.

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Previously, Fannie and Freddie could only insure mortgages of up to $417,000, called conforming loans. That meant, assuming a 20% down payment, that only buyers of homes costing $521,500 or less were eligible for mortgages with GSE backing.

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The new loan limits for Fannie and Freddie vary by area based on local median home prices and go as high as $793,750 in some markets.� By making it easier for buyers to get loans, regulators hope to get these markets moving again.

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