FHA Loan Limits For 2015

Mortgage and Lending with George Souto NMLS #65149 FHA, CHFA, VA Mortgages NMLS #65149

FHA announced last Friday, December 5th the new FHA Loan Limits For 2015.  The new FHA Loan Limits will go into effect on January 1, 2015, and will remain the same for most of the country.  However, 187 counties throughout the country will see an increase in the FHA Loan Limits on January 1st.  

The counties who will see an increase in the FHA Loan Limits are in Denver, Jacksonville, FL., Indianapolis, Louisville, Portland, ME., Baltimore, Boston, Bismarck, N.D. Nashville, San Diego, and Seattle.  Several Metro areas in Texas will also see increases in the FHA Loan Limits.  FHA Loan Limits did not decreased in any county from the 2014 limits.

The present FHA Loan Limits were established last year when the FHA Loan Limits established under the Economic Stimulus Act for 2008  expired on December 31, 2013.  As a result FHA Loan Limits for most of the country decease to their present level. 

The new FHA Loan Limits will be effective for all case numbers ordered on or after January 1, 2015.  Below is a table that illustrates the loan limits prior the to Economic Stimulus in 2008, during the Economic Stimulus, and the January 1, 2014 Loan Limits (in red) which will continue to be the FHA Loan Limits in  Connecticut for 2015.


New Connecticut FHA Loan Limits January 1, 2015


There was a big change in the FHA Loan Limits in 2014 in Connecticut from the FHA Loan Limits under the Economic Stimulus Act of 2008.  However, the 2014 Loan Limits were actually higher for every County in Connecticut then those of 2007 to 2008, except for New London County.

To see the FHA Loan Limits For 2015 for your County and State, click on this link New FHA Loan LimitsMake sure you select the Loan Limits for CY2015 in the Limit Year block.



 Info about the author:

George Souto NMLS# 65149 is a Loan Originator who can assist you with all your #FHA, #CHFA, and #Conventional #mortgage needs in Connecticut. George resides in Middlesex County which includes #Middletown, #Middlefield, #Durham, #Cromwell, #Portland, #Higganum, #Haddam, #East Haddam, #Moodus, #Chester, #Deep River, and #Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

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 Info about the author:

George Souto NMLS# 65149 is a Loan Originator who is licensed in #CT, #RI, #MA, #NH, & #FL and can assist you with all your #FHA, #Conventional, #VA, #USDA, and #State Bonded Progam #mortgage needs in #CT, #RI, #MA, #NH, & #FL. George resides in Middlesex County which includes #Middletown, #Old Saybrook, #Middlefield, #Durham, #Cromwell, #Portland, #Higganum, #Haddam, #East Haddam, #Moodus, #Chester, #Deep River, and #Essex. George can be contacted at (860) 573-1308 or souto@snet.net


Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Praful Thakkar 12/10/2014 07:01 AM
Mortgage / Finance
What is New in Loan Products
Real Estate Rookie
The FHA Mortgage Group
fha loan limits

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Geoff ONeill
John L. Scott Medford - Medford, OR

While this is interesting, the FHA needs to cut the 1.35% it is charging for Mortgage Insurance.  THAT is what is making homes unaffordable for first time homebuyers.  We really need to rally and advocate for this, as the FHA has recovered their money paid out on the bad loans already. 

Dec 10, 2014 12:09 AM #18
Cassandra Vickers
RE/MAX Pioneers - Cypress, TX

I always try to get by buyers to go conventional if possible. The FHA fees are quite outrageous. This is good news to those who can't get a conventional or va loan.

Dec 10, 2014 12:19 AM #19
Joan Valverde
HomeSmart Realty - Colorado Springs, CO
GRI,CDPE,CNE,MRP,SRES Colo Sprgs, Blk Forest, Monu

George, great information.  Thank you for sharing.  This will help with some buyers.  The fees for the FHA needs to be lowered they are crazy high!! 

Dec 10, 2014 12:44 AM #20
Paul Durry
National Mortgage Field Services - Lawton, OK
Former Broker Associate, CDPE, CIAS, CHMS

George.....George such great information you have made all us aware of!



Dec 10, 2014 01:13 AM #21
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

Thanks for sharing this info, George.  It's nice to see loan limits staying consistent or moving up across the country - hopefully values will follow the same trend.

Dec 10, 2014 01:32 AM #22
Randy Kirsch
Right Trac Financial Group, Inc., NMLS# 2709 - Manchester, CT
(NMLS# 1012303) Your Dedicated Mortgage Consultant

Good information to know, George.  Thanks for sharing.

Dec 10, 2014 02:07 AM #23
Dick Greenberg
New Paradigm Partners LLC - Fort Collins, CO
Northern Colorado Residential Real Estate

Hi George - Thanks for the heads up - I wasn't paying attention and didn't know that we were getting a nice little bump in the limits. It should help.

Dec 10, 2014 06:08 AM #24
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

George Souto we are surely blessed to have mortgage expert in our community who keeps us up-to-date with latest information! Thanks a lot.

Dec 10, 2014 07:02 AM #25
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

I gree with John, hopefully value will follow soon.

Dec 10, 2014 07:23 AM #26
Kevin Mackessy
Blue Olive Properties, LLC - Highlands Ranch, CO
Dedicated. Qualified. Local.

Thanks for sharing, I get weekly email blasts from lenders I work with but I hadn't heard this yet.  

Dec 10, 2014 07:28 AM #27
Keller Williams Select Realtors-Buy a home in Washington DC. Sell a home in Washington DC - Bowie, MD
I don't make promises.I deliver results.SOLD HOMES

George Souto -As always you are always sharing great information on FHA Loans. I also wrote a blog about the NEW FHA Administrative Fee that you brought to our attention eight days ago. Thanks for sharing.

Dec 10, 2014 08:07 AM #28
Barbara Altieri
Kinard Realty Group Fairfield and New Haven County CT Real Estate - Shelton, CT
REALTOR-Fairfield County CT Homes/Condos For Sale

George Souto -- You and I are on the same wavelength today.  Earlier I was  looking up the loan limits for a post I want to do on FHA approved condos.  I will link to this when (ever) I get it done. Thanks!!

Dec 10, 2014 10:02 AM #29
Dagny Eason
Dagny's Real Estate - Wilton, CT
Fairfield County CT, CDPE Homes For Sale and Condo

George - Why not up for New London County?     I don't understand ....

Dec 10, 2014 11:21 AM #30
Lisa Von Domek
Lisa Von Domek Team - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

Hello George,

My buyers have been going with Conventional...FHA has lost its luster with the private mortgage insurance required for the life of the loan.

Dec 10, 2014 11:36 AM #31
Joan Whitebook
BHG The Masiello Group - Nashua, NH
Consumer Focused Real Estate Services

George -- thanks for this informative post.  I'm going to check the link so I am aware of the loan limits for New Hampshire.

Dec 10, 2014 11:39 AM #32
Janis Borgueta
Key Properties of the Hudson Valley - Newburgh, NY
LIC RE Salesperson

Great info for us to pass on to buyers. Thanks for the report.

Dec 10, 2014 01:01 PM #33
Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives

This will surely impact home buyers who qualify for FHA but have limited income. It will make a big difference.

Dec 10, 2014 01:08 PM #34
ReadySetLoan Condo Approval Team
ReadySetLoan Condo Team LLC - South Windsor, CT
The FHA/VA Condo Project Approval Specialists

Thank you for displaying this information George.  I laughed when I saw the table because the loan limits in Hartford, Middlesex and Tolland Counties were $333,735.  This is the result of a request that I had sent to HUD to increase the loan limits in this MSA and backing it up with MLS sales data.  I probably still have the paperwork!

Dec 10, 2014 06:28 PM #35
Ginger Harper
Coldwell Banker Sea Coast Advantage - Southport, NC
Your Southport~Oak Island Agent~Brunswick County!

This is pertinant information that every agent needs to know in their area.

Thanks for sharing..

Dec 12, 2014 10:48 PM #36
Kim Boekholder Utah Real Estate
Results Real Estate 801.580.5624 - Draper, UT
Broker, Results Real Estate

You always post great information that consumers and all of us on AR need to know about.  Your post remind me to talk to my local lenders about items they really should be updating me on... Thank you for sharing

Feb 18, 2015 03:26 AM #37
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