BEGIN:VCALENDAR VERSION:2.0 PRODID:-//FinanceRateCalc//US mortgage rule expiry calendar//EN CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:US mortgage rule expiries (FinanceRateCalc) X-WR-CALDESC:When FHA and conforming loan limits\, MIP and HOEPA/QM thresholds stop being valid\, and when replacements are expected. REFRESH-INTERVAL;VALUE=DURATION:P1W BEGIN:VEVENT UID:498ca8579b879736@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261124 SUMMARY:Expected: FHFA announces 2027 conforming loan limits DESCRIPTION:FHFA announced the 2026 values on 2025-11-25 and the 2025 values on 2024-11-26\; the last Tuesday of November is the pattern\, not a commitment. When the release appears\, the 2027 rule file is drafted the same day and published after a human check. Certainty: expected (pattern of recent years). Rule file: https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json URL:https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json CATEGORIES:announcement END:VEVENT BEGIN:VEVENT UID:7e54d2e20d05b318@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261210 SUMMARY:Expected: HUD Mortgagee Letter with 2027 FHA forward loan limits DESCRIPTION:HUD published ML 2025-23 (the 2026 limits) on 2025-12-11\, about two weeks after FHFA. Expected\, not promised. Certainty: expected (pattern of recent years). Rule file: https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json URL:https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json CATEGORIES:announcement END:VEVENT BEGIN:VEVENT UID:47fa7b6ad849a97e@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261215 SUMMARY:Expected: CFPB publishes 2027 HOEPA and QM thresholds DESCRIPTION:The 2026 thresholds were published 2025-12-15 (90 FR). Expected\, not promised. Certainty: expected (pattern of recent years). Rule file: https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json URL:https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json CATEGORIES:announcement END:VEVENT BEGIN:VEVENT UID:2f784860bcb5ab21@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261231 SUMMARY:Last valid day: Conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2026 DESCRIPTION:Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before. Certainty: fixed by the rule. Rule file: https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json URL:https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json CATEGORIES:expiry BEGIN:VALARM TRIGGER:-P75D ACTION:DISPLAY DESCRIPTION:75 days left: Last valid day: Conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2026 END:VALARM END:VEVENT BEGIN:VEVENT UID:48bc4e2773bcbc89@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261231 SUMMARY:Last valid day: FHA forward mortgage loan limits for case numbers assigned on or after 2026-01-01 DESCRIPTION:Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before. Certainty: fixed by the rule. Rule file: https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json URL:https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json CATEGORIES:expiry BEGIN:VALARM TRIGGER:-P75D ACTION:DISPLAY DESCRIPTION:75 days left: Last valid day: FHA forward mortgage loan limits for case numbers assigned on or after 2026-01-01 END:VALARM END:VEVENT BEGIN:VEVENT UID:3e11151a096c4062@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20261231 SUMMARY:Last valid day: Regulation Z 2026 annual threshold adjustments: HOEPA and qualified-mortgage points-and-fees DESCRIPTION:Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before. Certainty: fixed by the rule. Rule file: https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json URL:https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json CATEGORIES:expiry BEGIN:VALARM TRIGGER:-P75D ACTION:DISPLAY DESCRIPTION:75 days left: Last valid day: Regulation Z 2026 annual threshold adjustments: HOEPA and qualified-mortgage points-and-fees END:VALARM END:VEVENT BEGIN:VEVENT UID:b6dce67701fe9543@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20270101 SUMMARY:2027 values take effect: FHA limits\, conforming limits\, HOEPA/QM thresholds DESCRIPTION:Every 2026 limit becomes a historical value. Anything that says 'the 2027 limit is $832\,750' is wrong from this day. The public re-scan of stale constants runs on 2027-01-02 and is published as eval/stale-constants-scan-2027-01-02.json. Certainty: fixed by the rule. Rule file: https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json URL:https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json CATEGORIES:effective END:VEVENT BEGIN:VEVENT UID:bc235b7701b4b37a@financeratecalc.com DTSTAMP:20261018T000000Z DTSTART;VALUE=DATE:20270102 SUMMARY:Pre-registered re-scan: how much public code still carries 2026 limits DESCRIPTION:Pre-registered 2026-10-18. The same stale-constant scan that found 29 repositories with 2025 values in October 2026 runs on this date against the 2026 values\, and its result is published unedited. Prediction: at least 20 public repositories will carry a 2026 limit as current on 2027-01-02. Certainty: pre-registered. Rule file: https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json URL:https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json CATEGORIES:measurement END:VEVENT END:VCALENDAR