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The high-cost area limits published in Lender Letter-2020-14 are the statutory limits provided by FHFA, but should not be used to determine the loan amount. Lenders must find the applicable loan limit for counties/MSAs in the Loan Limit Look-Up Table or on FHFA's web 2020 loan limits for high-cost areas are available on the FHFA website Opens in a new window. Originating mortgages and taking out contracts before January 1, 2020. We’ll update Loan Product Advisor ® on December 4, 2019, so you may begin originating mortgages with the 2020 loan limits immediately. However, mortgages meeting the higher 2020 limits are not eligible for sale to Freddie Mac until on or …Any request for a change to high-cost-area loan limits, must comply with the existing guidance in HUD Handbook , Section (A), except that, for the calendar year 2021 loan limits only, this Mortgagee Letter amends the method forHigh-cost credit Guidelines MAY 2020 2 Purpose of Guidelines 1 High

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