The wait is over. The new Fannie Mae and Freddie Mac loan limits were announced early this week and, as expected, they are climbing about 7 percent, or $22,000, next year. The new Fannie Mae/Freddie Mac single-family loan limit will be $322,700 starting Jan. 1, 2003. This represents a 7.32 percent rise over the current ceiling of $300,700, but is actually