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FHA Loan Blog - Research and Get Your Home Financing Questions Answered by an Approved FHA Lender with a proven track record.

FHA Home loan limits for Refinancing or Purchase

FHA home loan limits were increased recently by, the Housing of Urban Development, the president, congress and the senate. FHA loan limits rose allowing homeowners with little equity and poor credit to refinance their mortgage with a good fixed rate or purchase a new home cost effectively Residents in the many of the high cost regions have been unable to refinance out of the ARM, because property values have been declining and FHA loan limits were not high enough in their market to enable them to complete a refinance transaction. When the government increased FHA loan limits they created an opportunity for many of these consumers to find a better mortgage with a fixed rate. The FHA Home Loan Refinancing Company opened its doors originally with a mission of providing home loan options for Americans with reasonable rate mortgages that enabled homeowners to improve their financing situation.

The state pages below are listing of the FHA single family mortgage limits. The loan limits were referenced from the FHA's refinance and purchase programs with automated underwriting system online. Since government mortgage limits can change frequently, please contact your loan officer to verify applicable loan increases. (see www.hud.gov).

All home loans are subject to FHA limitations by designated geographical areas within counties and states.

HUD came through in 2008, with higher loan limits for FHA home mortgages that will be set at 125% of the median sales price for the area. Previously, FHA lenders were restricted to offer no more than $362,790 in even the most costly areas of the country. Most real estate financers interpret the increased loan limits as temporary as the U.S. Congress imposed an expiration date at the end of 2008.


FHA Loan Limits and Applicable Mortgage News by State

Alabama FHA Loans
Alaska FHA Loans
Arizona FHA Loans
Arkansas FHA Loans
California FHA Loans
Colorado FHA Loans
Connecticut FHA Loans
Delaware FHA Loans
District of Columbia FHA Loans
Florida FHA Loans
Georgia FHA Loans
Hawaii FHA Loans
Idaho FHA Loans

Illinois FHA loans
Indiana FHA Loans
Iowa FHA Loans
Kansas FHA Loans
Kentucky FHA Loans
Louisiana FHA Loans
Maine FHA Loans
Maryland FHA loans
Massachusetts FHA Loans
Michigan FHA Loans
Minnesota FHA Loans
Mississippi FHA Loans
Missouri FHA Loans
Montana FHA Loans
Nebraska FHA Loans
Nevada FHA Loans
New Hampshire FHA Loans
New Jersey FHA Loans
New Mexico FHA Loans
New York FHA Loans
North Carolina FHA Loans
North Dakota FHA Loans
Ohio FHA Loans
Oklahoma FHA Loans
Oregon FHA Loans
Pennsylvania FHA Loans
Rhode Island FHA Loans
South Carolina FHA Loans
South Dakota FHA Loans
Tennessee FHA Loans
Texas FHA Loans
Utah FHA Loans
Vermont FHA Loans
Virginia FHA Loans
Washington FHA Loans
West Virginia FHA Loans
Wisconsin FHA Loans

FHA Opens the Doors for Consumers to Secure Loan with Limited Costs at a Great Interest Rate
It's never been more important to process your loan with a trusted FHA mortgage lender! After selecting the state where your primary residence is located, ask your lending advisor how the raised loan limits could benefit you.

 

FHA Home Refinancing assists with foreclosure prevention efforts to stabilize the interest rates on your mortgage.

The recent mortgage modernization bill puts forth important home financing issues to legislation with better, more streamlined FHA loans that potentially should help thousands of homeowners get back on their feet with a secure fixed interest rate loan that is backed by the U.S. government.
 
             
       
 

FHA home loans are easy to qualify for because FHA mortgage loans allow bad credit is allowed and you virtually no equity is required to refinance.

FHA Streamline Refinance Loans
FHA Refinancing & Debt Consolidation
FHA Loans for Condominiums
FHA Energy Efficient Home Loans
FHA Down Payment Assistance
 

The interest rates for FHA refinance and home purchase loans remain competitive and comparable to conventional Fannie Mae mortgage rates.

Rate & Term Refinance with FHA Mortgage
Chapter 13 Bankruptcy Refinance Loans
FHA Mortgage after 7 or 11 Bankruptcy Discharge
 

Borrowers are given fixed rate grace with exceptions for qualifying made for borrowers who were not late prior to their mortgage adjusting.

Useful FHA Resources:
FHA info from HUD
Federal Housing Administration
FHA Home Purchase Loans
 
 
 

Equal Housing Lender. © 2008 FHA Home Loan Refinancing, FSB, Government FHA Mortgage Division. Trade/service marks are the property of FHA Home Refinance Corporation, or their respective loan subsidiaries. Some mortgage products may not be available in all states. This is not a commitment to lend. Certain restrictions may apply.

1-800-756-2285 | FHA Home Loan Refinancing Corporation, 3 Mason, Ste B, Irvine California 92618