Trust & Verification
Every figure, limit, and rule on this site traces back to a government source you can check yourself. These are the official references behind our calculators, guides, and AI assistant — linked straight to the agency that publishes them.
7 Official SourcesLinked DirectlyUpdated Annually
7 Sources
Official government references, linked directly
FHFA
Conforming Limits
VA
Loan Limits
VA
Lender Handbook
DoD
BAH Rates
Census
ZIP → County
NMLS
Consumer Access
Last reviewed September 2026
Federal Housing Finance Agency (FHFA)
The conforming loan limit values our Loan Limit Lookup displays for each county. FHFA publishes the national baseline and high-cost-area limits annually under the Housing and Economic Recovery Act (HERA) formula, tied to the FHFA House Price Index.
Used by
Loan Limit Lookup tool, VA entitlement and jumbo loan guides
U.S. Department of Veterans Affairs
VA does not cap how much you can borrow, but for Veterans with partial entitlement, county loan limits — equal to FHFA conforming limits — determine how much the VA will guarantee. The VA's official page explains full vs. partial entitlement and includes guaranty calculation examples.
Used by
Loan Limit Lookup tool, VA entitlement and jumbo loan guides
U.S. Department of Veterans Affairs
The official rulebook VA lenders follow — entitlement, the funding fee, appraisals, minimum property requirements, IRRRL and cash-out refinancing, occupancy, and condo rules. Our Battle Buddy™ assistant answers VA questions from this handbook verbatim and cites the chapter and topic.
Used by
Battle Buddy™ AI assistant, funding fee and entitlement calculators, VA guide pages
VA Pamphlet 26-7, Chapter 4 — Credit Underwriting
VA underwriting compares debt-to-income (DTI) against residual income — the money left over after major monthly obligations. The residual income tables and DTI benchmarks our affordability and residual-income calculators reference live in Chapter 4 of the VA Lender's Handbook.
Used by
Residual income and affordability calculators, qualification guides
Defense Travel Management Office (DTMO), U.S. Department of Defense
BAH is a monthly allowance that helps active-duty service members cover housing costs when government quarters aren't provided. The DTMO publishes rates annually by ZIP code, pay grade, and dependency status. Our PCS and affordability guides reference BAH to help military families budget for housing at their next duty station.
Used by
PCS relocation guides, affordability calculators, budgeting tools
U.S. Census Bureau
Public Census crosswalk data maps a ZIP code to its county so the Loan Limit Lookup can return the right FHFA conforming limit. ZIP codes can span more than one county, so we always recommend confirming the county for the specific property address.
Used by
Loan Limit Lookup tool
Nationwide Multistate Licensing System (NMLS)
The official public registry for verifying a mortgage company or loan officer's licensing status. Once our NMLS ID is issued, visitors can confirm Military Mortgage LLC and every loan officer here directly through Consumer Access.
Used by
Licensing & Disclosures page, team profiles
We pull figures directly from the agencies above and refresh them when new values are published — for example, FHFA conforming limits are updated each November for the following year. Educational tools on this site are estimates and simplifications for learning, not loan approvals, rate quotes, or commitments to lend. Final numbers always come from underwriting against the current official rules and your Certificate of Eligibility.
Military Mortgage LLC is a mortgage broker and is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs, the U.S. Department of Defense, the FHFA, the U.S. Census Bureau, or NMLS. The links above point to official government and public registry websites for independent verification only.
MilitaryMortgage.com is the official website of Military Mortgage LLC, a mortgage broker. Military Mortgage LLC is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs, the U.S. Department of Defense, or any other government agency. We offer VA, FHA, Conventional, USDA, and Non-QM loan programs. All loans are subject to applicable credit, income, property, program, and underwriting requirements. Rates, terms, programs, and eligibility requirements are subject to change without notice. Equal Housing Opportunity