Many of the same factors that impact the answers to the other questions in this list also affect how much you are able to borrow when you are shopping for a home. We will look at your qualifications and also the type of mortgage for which you are applying when telling you the upper limit. There also are sometimes specific caps for different lending products. For example, a conforming loan must be within the Fannie Mae and Freddie Mac conforming loan limits. If the loan limits for a particular product are too low for you, we can recommend alternatives (for example, non-conforming loans).