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Standard Mortgage Blog

Ella Baldwin March 10
How much equity do you need before selling your home?

Mortgages

How Much Equity Do You Really Need Before Selling Your Home?

You’ve built equity in your home. But is it enough to sell without walking away disappointed, or worse, owing money at closing?

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Ella Baldwin March 10

Mortgages

How Do Rising Property Values Affect Your Mortgage and Taxes?

Watching your home's value climb is one of the rewards of homeownership. Higher property values mean stronger equity, increased resale potential, and long-term wealth building, all signs that your investment is working for you.

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Ella Baldwin December 5
Conforming Loan Limits Increase for 2026, Giving Homebuyers More Purchasing Power

Mortgages

Conforming Loan Limits Increase for 2026, Giving Homebuyers More Purchasing Power

The Federal Housing Finance Authority (FHFA) recently released updated 2026 conforming loan limits. Beginning January 1, 2026, the conventional loan limit will increase by 3.26 % to $832,750 for a single-family home in the 48 contiguous states. The maximum amount in 2025 was $806,500.

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Standard Mortgage Corporation (SMC) NMLS #44912 is an Equal Housing Lender. SMC is licensed or registered as a residential mortgage company in Louisiana #RML 496-0; Alabama #4929; Arkansas #10626, Colorado, Florida #MLD502, Georgia#14750, Mississippi #44912, North Carolina #L-124936, Oklahoma #ML010154, South Carolina #MLS-44912, Tennessee #108900, Texas and Virginia MC - 7619 (http://nmlsconsumeraccess.org). Credit and collateral are subject to approval. Terms and conditions may apply. Programs, rates, terms, and conditions are subject to change and to borrower(s) qualification. This is not a commitment to lend. For refinance advertisements that state a reduction on the monthly payment, please note: the total finance charges may be higher over the life of the loan.