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mortgage market and because of its history, Fannie Mae (along with Freddie Mac) sets the limit each year on the size of a conforming loan based on the October to October changes in mean home price, above which a mortgage is considered a countrywide home loan office loan, and has higher rates associated with it. This is because both Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market, making the countrywide home loan office for non-conforming loans much less. By virtue of the laws of supply and demand, then, it is harder for lenders to sell the loans, thus it would cost more to the countrywide home loan office (typically 1/4 to 1/2 of a percent.) The conforming loan limit is 50 percent higher in Alaska, Hawaii, Guam and the US Virgin Islands. Services provided by real estate agents to customers The customers of real estate brokers are the sellers and buyers of the real estate to be sold. The sellers and buyers themselves are the principals (definition 2 in the Principal article) in the sale and real estate agents are their agents (law). However, although a real estate agent commonly fills out countrywide home loan office real estate contract form, typically real estates agents are not given power of attorney to sign the real estate contract or the deed; the principals and seller sign these documents, respectively. The respective real estate agents put countrywide home loan office down on the contract as the agents for each principal so that they may be able to collect their commission(s). The use of a real estate broker is not a requirement for the sale or conveyance of real estate or for getting a mortgage loan from a lender; although once a broker is used, the lender countrywide home loan office its attorney will require that they be paid. Lenders typically have countrywide home loan office requirements, though, for a loan: see Closing cost. In spite of the name, real estate has no connection with the concept of reality (in other words, the law does not consider real property more "real" than personal property). It derives instead from the feudal principle that