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Increases In FHA Home Loan & Reverse Mortgage Limits Effective 1 January 2018

FHA announce loan limit increases for 2018

The Federal Housing Administration (FHA) has announced that nearly every area in the U.S. will see FHA loan limits increase on 1 January 2018.

The FHA is required by the National Housing Act to set Single Family forward loan limits at 115% of median house prices, subject to a floor and a ceiling on the limits. The FHA calculates forward mortgage limits by Metropolitan Statistical Area and county.

The floor loan limit will increase from $275,665 to $294,515 on 1 January 2018. In high-cost areas, the FHA’s loan limit ceiling will increase to $679,650, up from its present level of $636,150.

View the FHA home loan limits for your county >

Learn more about FHA home loans offered by Certainty Home Loans >

Additionally, the National Mortgage Limit for FHA-insured Home Equity Conversion Mortgages (HECM), which are also known as reverse mortgages, will also increase from the present level of $636,150 to $679,650. The single limit applies to all mortgages regardless of the property's location.

Learn more about reverse mortgages offered by Certainty Home Loans >

Selecting the right mortgage option can make it easier to purchase your first home, lower your monthly payments and have a significant impact on the overall cost of your mortgage. If you are a first-time homebuyer, repeat homebuyer, looking to refinance or obtain a reverse mortgage, speak to a Certainty Home Loans mortgage professional to assess your financial circumstances and discuss which mortgage option will help you to meet your short- and long-term homeownership goals.

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