Forward Lending - Wholesale Lending for Mortgage Brokers

844.941.5626

Make A Payment

CONVENTIONAL LOAN PROGRAMS

Conventional Programs

FNMA and FHLMC loan programs that conform to the standard.  Purchase, Refinance and Cash-out loan program options are available. 

Highlights include:

  • Purchase, Refinance and Cash-Out
  • Primary, Secondary and Investment
  • 30 Year Fixed Loans

Available on The Track, our TPO portal technology where you can register, submit, and disclose in minutes.

Get Approved Today

New Conforming Loan Limits for 2026 are now being accepted as of September 23, 2025

Effective for loan applications dated on or after September 23, 2025, Forward Lending will accept the anticipated 2026 FHFA conforming loan limits for standard balance agency loans under the following products:

  • Fannie Mae Fixed Rate
  • Freddie Mac Fixed Rate

The anticipated loan limits for 2026 are as follows:

UnitsContiguous StatesAlaska & Hawaii
1$819,000$1,228,500
2$1,048,500$1,572,500
3$1,268,000$1,902,000
4$1,575,000$2,362,500
Requirements
  • Temporary buydowns are not eligible under the anticipated 2026 conforming limits.
  • All other loan terms under the listed products remain eligible.
  • Specialty agency products (HomeReady/Home Possible, RefiNow/Refi Possible, CalHFA, etc.) are not eligible.
  • High balance loan amounts are not permitted. Refer to the current matrix for details.
  • Requires DU Approve/Ineligible or LPA Accept/Ineligible findings where the only ineligible factor is the loan amount exceeding 2025 limits.
    • Loans within the 2025 high balance limits (under $819,000 for 1-unit, or applicable 2–4 unit limits) may still receive an “Eligible” finding and remain eligible.

Adjustable Rate Mortgages

FHLMC

  • Standard Conforming and Super Conforming
  • Purchase, Limited Cash Out Refinance and Cash Out Refinance
  • Minimum 620 FICO on all ARMS transactions
  • Max 95% LTV
  • 5/6, 7/6 AND 10/6 SOFR ARM (non-standard terms not allowed)
  • 2025 Conforming Loan Limits Apply
  • Minimum Loan Amount $75,000
  • Home Possible not eligible

 

FNMA:

  • Conforming, High Balance 
  • Purchase, Limited Cash Out Refinance and Cash-Out Refinance
  • Minimum 620 FICO on all ARMS transactions
  • Max 95% LTV for Conforming and High Balance
  • 5/6, 7/6 AND 10/6 SOFR ARM (non-standard terms not allowed)
  • 2025 Conforming Loan Limits Apply
  • Minimum Loan Amount $75,000

NO SPEED LIMITS HERE!

YOUR FORWARD LENDING TPO SUBMISSION PORTAL REDUCES DAYS TO CLOSE BY BEING FAST AND EFFICIENT.

GET TRAINING

Our TPO submission portal allows you to:

  • Get Pricing immediately on our Prime and Non-QM Programs.
  • Run Credit, DU/LP separately or at the same time.
  • Disclose your loan immediately or Quick Submit.
GET TRAINING
GET APPROVED

Join Forward Lending, Wholesale Lending Division and get access (as thousands of Approved Mortgage Brokers have done in the past) to Prime, Government, and Non-QM loan programs for your clients.

GET APPROVED
Skip to content