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conforming loan
In the United States, a conforming loan is a mortgage loan that conforms to GSE (Fannie Mae and Freddie Mac) guidelines. The most well-known guideline is the size of the loan, which as of 2013 was generally limited to $417,000 for single family homes in the continental US.〔(Loan Limits ) Fannie Mae〕 Other guidelines include borrower's loan-to-value ratio (i.e. the size of down payment), debt-to-income ratio, credit score and history, documentation requirements, etc.〔(【引用サイトリンク】url=http://www.zillow.com/mortgage-rates/mortgage-tools/conforming-loan-limits/ )〕
In general, any loan which does not meet guidelines is a non-conforming loan. A loan which does not meet guidelines specifically because the loan amount exceeds the guideline limits is known as a jumbo loan.〔
== History ==
Starting in 1970, Fannie Mae was authorized by the United States Government to purchase residential mortgage loans. Fannie Mae worked with Freddie Mac to develop uniform mortgage documents and national standards for what would come to be known as a ''conforming loan''.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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