Congress recently passed legislation that will reinstate loan limits and caps on mortgages for the next two years, making mortgages more affordable for the country’s middle class. Loan limits place a restriction on the amount of money that can be borrowed from the bank, and this can help consumers from over borrowing. The National Association of Realtors (NAR) supports the move, which the organization believes will “help reduce [consumer] costs, stabilize local housing markets, and give qualified borrowers [better] access to mortgages.”