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Pennsylvania FHA Mortgage Loan Limits
Many Pennsylvania homeowners will benefit from new increased FHA mortgage loan limits with fixed rate refinance loans up to $420,000 in designated high cost areas. Refinancing experts suggest that current FHA interest rates may be at the lowest point of interest for the next decade. Home refinancing has never been easier with cash out loans available up to 85% for qualified borrowers. There are many exciting Pennsylvania FHA mortgage programs that are helping local residents' secure affordable home financing. The Housing of Urban Development raised the Pennsylvania mortgage maximum limits for 2014 and the loan changes can be seen below by county.
FHA mortgage programs offer refinancing guidelines that are less strict than your traditional Fannie Mae or Freddie Mac loan programs. With FHA loans, credit scores are not the primary factor, so if your credit score is low, consider refinancing your home with a FHA insured mortgage.

Pennsylvania FHA Loan Limits remain available in high cost regions in 2014!
MSA Name |
County Name |
State |
One-Family |
Two-Family |
Three-Family |
Four-Family |
WARREN |
WARREN |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
ALTOONA |
BLAIR |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
STATE COLLEGE |
CENTRE |
PA |
$280,000 |
$358,450 |
$433,250 |
$538,450 |
BLOOMSBURG-BERWICK |
MONTOUR |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
BLOOMSBURG-BERWICK |
COLUMBIA |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
BRADFORD |
MCKEAN |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
SELINSGROVE |
SNYDER |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NEWARK-UNION , NJ -PA METROPOLITAN |
PIKE |
PA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
ST. MARYS |
ELK |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
SCRANTON --WILKES-BARRE |
LUZERNE |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
SCRANTON --WILKES-BARRE |
WYOMING |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
SCRANTON --WILKES-BARRE |
LACKAWANNA |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
LEWISBURG |
UNION |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
READING |
BERKS |
PA |
$300,000 |
$384,050 |
$464,200 |
$576,900 |
WILLIAMSPORT |
LYCOMING |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
HARRISBURG-CARLISLE |
PERRY |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
HARRISBURG-CARLISLE |
DAUPHIN |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
HARRISBURG-CARLISLE |
CUMBERLAND |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
GETTYSBURG , PA (MICRO) |
ADAMS |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
PHILADELPHIA |
BUCKS |
PA |
$420,000 |
$537,650 |
$649,900 |
$807,700 |
PHILADELPHIA |
CHESTER |
PA |
$420,000 |
$537,650 |
$649,900 |
$807,700 |
PHILADELPHIA |
DELAWARE |
PA |
$420,000 |
$537,650 |
$649,900 |
$807,700 |
PHILADELPHIA , PA METROPOLITAN DIVISION |
MONTGOMERY |
PA |
$420,000 |
$537,650 |
$649,900 |
$807,700 |
PHILADELPHIA , PA METROPOLITAN DIVISION |
PHILADELPHIA |
PA |
$420,000 |
$537,650 |
$649,900 |
$807,700 |
LANCASTER |
LANCASTER |
PA |
$383,750 |
$491,250 |
$593,800 |
$738,000 |
LOCK HAVEN |
CLINTON |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
HUNTINGDON |
HUNTINGDON |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
JOHNSTOWN |
CAMBRIA |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
SAYRE |
BRADFORD |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
ALLENTOWN-BETHLEHEM-EASTON , PA -NJ |
CARBON |
PA |
$402,500 |
$515,250 |
$622,850 |
$774,050 |
ALLENTOWN-BETHLEHEM-EASTON , PA -NJ |
LEHIGH |
PA |
$402,500 |
$515,250 |
$622,850 |
$774,050 |
ALLENTOWN-BETHLEHEM-EASTON , PA -NJ |
NORTHAMPTON |
PA |
$402,500 |
$515,250 |
$622,850 |
$774,050 |
POTTSVILLE , PA (MICRO) |
SCHUYLKILL |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
CHAMBERSBURG |
FRANKLIN |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
PITTSBURGH |
BEAVER |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
BUTLER |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
FAYETTE |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
ALLEGHENY |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
ARMSTRONG |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
WASHINGTON |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
PITTSBURGH |
WESTMORELAND |
PA |
$327,500 |
$419,250 |
$506,800 |
$629,800 |
NON-METRO |
TIOGA |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
WAYNE |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
FOREST |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
FULTON |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
GREENE |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
POTTER |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
BEDFORD |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
CAMERON |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
CLARION |
PA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
What is the best way to time the market for the
lowest rate mortgage refinance?
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Timing the market to get the lowest Pennsylvania mortgage rate is nearly impossible. There are so many external factors involved with home mortgage rates for that we strongly suggest not trying to time the market. In most cases, consumers end up getting a loan with higher interest rates, because they waited too long for the home loan rates to drop.
If you can save money today and refinance with a fixed rate that lowers your payment and gets you the cash you need now, then talk with a loan officer today about locking your rate.
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Resource Tools |

Refinancing Calculator
Analyze the benefits of refinancing. Get help calculating the monthly payment and discover the net interest savings. It will also calculate how many months it will take to get a return on investments for the mortgage loan costs.
Pennsylvania Mortgage
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Client Testimonials |
"The mortgage loan process was pretty smooth because our loan officer at Nationwide took care of us from the beginning. We saved money by reducing the interest rate on our 1st mortgage and consolidated some credit cards as well. Thanks for all your hard work!" – The Bates Family
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