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Short answer: Mortgage rates remain elevated in 2026, but higher conforming loan limits help many College Park East buyers afford more without jumping into jumbo loans.
Many homes in College Park East sit near the conforming loan threshold, which impacts:
Interest rates
Down payment requirements
Approval flexibility
In 2026, higher conforming limits allow more buyers to stay out of jumbo financing—even at higher prices.
While rates are higher than historic lows, smart buyers are:
Negotiating seller credits
Buying down rates
Planning refinances later
Monthly payment strategy now matters more than headline rates.
👉 Want help modeling payments for College Park East homes? Book a quick call with Nat Ferguson.
Should I wait for rates to drop?
Waiting can increase competition if rates fall suddenly.
Is jumbo financing bad?
Not bad—but it requires stronger financials.
Can sellers help with rate buy-downs?
Yes, especially in today’s market.
Nat Ferguson at Splash Real Estate helps buyers structure smart offers—not just chase rates.
Browse active listings in the area or contact us for off-market listings.
Have an expert help you find out what your home is really worth.
You’ve got questions and I can’t wait to answer them.