New FHA Mortgage Loan Limits
2008 Updated FHA Guidelines for State and Counties
Low Rate Solutions for Refinance and Purchase

Higher FHA Loan Amounts Help Refinance & Combine 1st and 2nd Mortgages

HUD increased FHA mortgage loan limits for refinance or purchase loans in 2008 up to $729,750 in high cost areas across the country. Whether you need to refinance out of your high rate ARM or get cash out and consolidate bills, our FHA lenders can help you with FHA mortgage loans. Our loan officers will help you understand FHA guidelines and lending requirements.

With so many conventional mortgage companies going out of business, FHA home loans have become the best solution for most homeowners when refinancing into a fixed rate 30 year mortgage. According to, Nationwide Chief Economist, Kevin Grant, "Times have changed and homeowners need to adapt fast before they fall behind on their mortgage payments. Clearly it's a lot easier to qualify for a low rate mortgage when your credit indicates a good mortgage payment history."


FHA Loan Limits were Increased to over $700,000 in certain high cost areas. FHA raised their mortgage limits a minimum of 25% from the 2007 limits outlined by HUD.

The new FHA loans have saved many families from their expensive adjustable rate loans because they offer low interest rates and require very little equity.
97.15% New Home Financing to $708,952

97.15% Rate and Term Refinancing to $708,952

85% Cash Out Refinance Loans to $620,287

95% Cash Out Mortgage Refinancing to $396,150


New FHA Mortgage Loan Limits by MSA, County and State:
Select a state below to get specific details for the recently increased FHA loan limits. FHA mortgage restrictions do vary by county and state, so select one of the state links below to get started.
Alabama Alaska Arkansas
California Colorado Connecticut
Delaware Georgia Idaho
Indiana Illinois Louisiana
Maryland Maine Missouri
Massachusetts Minnesota Montana
Nebraska Nevada New Jersey
New Mexico North Carolina North Dakota
Oklahoma Rhode Island Oregon
South Carolina South Dakota Utah
Tennessee Texas Vermont
Virginia Washington West Virginia
Wisconsin    

Podcast: Home Refinance Talk...


Press Play To Hear Podcast
Nationwide Mortgage Loans' spoke to PR Web recently about the positive impact the new FHA loan limits may have with homeowners looking to refinance their ARM into a fixed rate mortgage.

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Resource Tools

Loan Comparison Calculator
This calculator will help you to compare the total mortgage interest charges of 4 types of loans.

Best Time to Refinance
How to Refinance a Mortgage

When to Refinance a Home

Ask our experienced FHA specialists if the new FHA increased loan amounts will benefit your home financing needs.

Refinance Loan Checklist
VA Home Mortgage Loans
Popular FHA Home Loan Queries by State

Maximize our FHA knowledge with government refinancing. Keep in mind that FHA guidelines vary based on MSA and cost of living indexes by state and county.

The increased FHA Loan Limits Help Thousands of Homeowners!

Additional FHA Mortgage Pages:
FHA Refinancing Loans | Secure FHA Refinance | 203K FHA Home Improvement Loans | FHA Streamline Refinance | FHA 1st Time Homebuyer| FHA Home Loan | Reverse Home Mortgages | California FHA Home Loans | FHA Refinancing with Bad Credit | FHA Mortgage Rates | FHA Loan Requirements
Other Popular FHA Mortgage Loans:
FHA Refinance | 95% FHA Cash Refinance Loans | 97% FHA Refinance Loans | FHA Mortgage Rate Refinance | FHA Streamline Refinance
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
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