Conforming Mortgages offer lower rates because they are originated to guidelines established by Fannie Mae or Freddie Mac, which are Government Sponsored Enterprises (GSEs). These loans must also “conform” to established maximum loan limits set by Fannie Mae and Freddie Mac.

Non-Conforming Jumbo Mortgages carry higher interest rates because they are above the established Fannie Mae and Freddie Mac maximum loan limits.

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