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FHA mortgages have been the vehicle that that drove millions of renters to become homeowners. FHA mortgage programs have ensured Americans for several generations that homeownership is affordable.


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FHA Loan Amounts

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The FHA loan amounts have been a common topic with homeowners seeking a refinance and new house buyers looking for home finance assistance, because so many consumers in the United States have been utilizing government home financing programs.  Congress chose to heed the advice from the Housing of Urban Development and lower the 2012 FHA loan limits. In most of the country, the borrowers considering an FHA loan will not be affected as mostly the regions with high cost housing are experiencing lower FHA loan amounts in the new guidelines. If you need more help understanding the FHA mortgage product line, don't hesitate to ask your loan officer.

Our FHA loan lenders are up to speed on all of the current FHA loan amounts, restrictions and revised guidelines in your state. Once again, FHA mortgages will be a major focus for loan originations in the coming years, because this government finance program remains the most flexible option for borrowers with credit and loan to value challenges.

 

The FHA loan amount discussions are nothing new, as each year, since the subprime mortgage crisis the loan limits have been a hot topic. It's no secret that most lending companies became reluctant to offer mortgages in high cost areas until FHA committed to insuring the jumbo loan amounts. FHA, Fannie Mae and Freddie Mac are presently guaranteeing over 90% of home loan originated in the United States.

According to the National Association of Homebuilders 5.3 million houses were affected by the reduced FHA loan amounts when Congress lowered limits on October 1st. According to the NAR said that almost 670 counties would see their conforming loan limits fall. NAR's chief economist, Lawrence Yun said, "We have a convoluted policy in America where the most financially qualified individuals are being forced to pay higher rates because they're outside the loan limits."

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