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What's Important Now
FALL 2024

 
Week of December 8, 2024
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Per the FHFA, the GSEs increased the 2025 conforming loan limit (CLL) to $806,500 for one-unit mortgages, an increase of 5.2% over the 2024 limit.

 The loan limit for high-cost areas is 150 percent of the $806,500 value and equals $1,209,750.  This is for areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit value.

 Many lenders front-run this limit and underwrite mortgages that are expected to close in 2025 up to the new limit, passing on these better rates to borrowers today.

 The chart below shows the FHFA house price index (HPI) report, which is used for the CLL calculation.

20241208 fhfa.png

During all markets, but especially in volatile times, your business needs to ensure

it is being managed properly and conservatively to yield success today and for generations.

HedgeAdvisory can help through our proven proprietary hedging software

and consultative approach to managing risk. 

Call us today at (410) 207-9907 to set up an appointment.

HedgeAdvisory
Real-Time Data
Real-Time Analytics
Better Loan Sale Decisioning

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The Volatile Rate Environment
With markets in flux, now is the time to utilize an active hedging strategy.
The Solution: HedgeAdvisor 
Our hedging toolkit simplifies the hedging process through transparent, reliable, and accurate data reporting which will have you ready to hedge in just 30 days. Plus, no personally identifiable information (PII) is ever exchanged or transmitted.
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The Advantage: HedgeAdvisory Services

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  • Get the most revenue from the business you originate while maintaining safety and soundness

  • Lead clients' efforts in submitting and obtaining agency approvals, agency set-up, committing, delivery, and securitization

  • Transition clients from best efforts service-released to mandatory servicing-retained

  • Assess clients' risk tolerances and provide risk-management strategies

  • Create custom reporting for accounting, operations, production support, and agency securitizations

  • Expand product offerings

  • Devise hedging and loan sale strategies

  • Design products and procedures for each client's needs

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Our team works with you every step of the way to manage market fluctuations

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Contact us at:   (410) 207-9907 

clientservices@hedgeadvisory.com

30
Days to install our proven and back-tested technology

50+
Years of mortgage expertise to assist you with managing daily secondary marketing activities in all types of markets

6x
Return on fees paid

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