The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

FHA Loan Limits 2026 Explained: Changes from 2025 and Market Impact

By Scott Sheldon / December 22, 2025

Every year, HUD reviews home price data across the country and adjusts FHA loan limits to reflect what’s happening in the real housing market. These limits matter because they determine how much a buyer can borrow using an FHA loan before needing to move into conventional or jumbo financing. For 2026, HUD made updates that…

How Interest Rates Are Impacting Home Buyers and Sellers

By Scott Sheldon / June 6, 2024

Interest rates are a critical component of the housing market, influencing the behaviour of both home buyers and sellers. As of mid-2024, the interest rate environment is characterized by moderate increases due to efforts by the Federal Reserve to combat inflation. This blog post will delve into the current state of interest rates, their impact…