A few mortgage lenders are already offering “conforming” mortgage pricing for home loans up to $400,000 as the industry swings into the annual autumn guesstimation process to predict adjustments in the loan amounts eligible for sale to Fannie Mae and Freddie Mac. It’s less complicated than calculating Bowl Championship Series rankings, but probably harder to get right. The annual adjustment to the conforming loan limit for the government-sponsored enterprises is made based on the degree…