| FHA Loan Programs |
County Name State Limit
NY
NY
NY
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NY
NY
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NY
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NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
NY
New York FHASecure & FHA
loan limits by County
loan limits by County
ALBANY
ALLEGANY
BRONX
BROOME
CATTARAUGUS
CAYUGA
CHAUTAUQUA
CHEMUNG
CHENANGO
CLINTON
COLUMBIA
CORTLAND
DELAWARE
DUTCHESS
ERIE
ESSEX
FRANKLIN
FULTON
GENESEE
GREENE
HAMILTON
HERKIMER
JEFFERSON
KINGS
LEWIS
LIVINGSTON
MADISON
MONROE
MONTGOMERY
NASSAU
NEW YORK
NIAGARA
ONEIDA
ONONDAGA
ONTARIO
ORANGE
ORLEANS
OSWEGO
OTSEGO
PUTNAM
QUEENS
RENSSELAER
RICHMOND
ROCKLAND
SARATOGA
SCHENECTADY
SCHOHARIE
SCHUYLER
SENECA
ST. LAWRENCE
STEUBEN
SUFFOLK
SULLIVAN
TIOGA
TOMPKINS
ULSTER
WARREN
WASHINGTON
WAYNE
WESTCHESTER
WYOMING
YATES
ALLEGANY
BRONX
BROOME
CATTARAUGUS
CAYUGA
CHAUTAUQUA
CHEMUNG
CHENANGO
CLINTON
COLUMBIA
CORTLAND
DELAWARE
DUTCHESS
ERIE
ESSEX
FRANKLIN
FULTON
GENESEE
GREENE
HAMILTON
HERKIMER
JEFFERSON
KINGS
LEWIS
LIVINGSTON
MADISON
MONROE
MONTGOMERY
NASSAU
NEW YORK
NIAGARA
ONEIDA
ONONDAGA
ONTARIO
ORANGE
ORLEANS
OSWEGO
OTSEGO
PUTNAM
QUEENS
RENSSELAER
RICHMOND
ROCKLAND
SARATOGA
SCHENECTADY
SCHOHARIE
SCHUYLER
SENECA
ST. LAWRENCE
STEUBEN
SUFFOLK
SULLIVAN
TIOGA
TOMPKINS
ULSTER
WARREN
WASHINGTON
WAYNE
WESTCHESTER
WYOMING
YATES
$312,500
$271,050
$729,750
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$276,250
$271,050
$271,050
$443,750
$276,250
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$281,250
$271,050
$271,050
$729,750
$729,750
$276,250
$271,050
$281,250
$271,050
$443,750
$271,050
$281,250
$271,050
$729,750
$729,750
$312,500
$729,750
$729,750
$312,500
$312,500
$312,500
$271,050
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$271,050
$406,250
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$276,250
$271,050
$271,050
$443,750
$276,250
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$281,250
$271,050
$271,050
$729,750
$729,750
$276,250
$271,050
$281,250
$271,050
$443,750
$271,050
$281,250
$271,050
$729,750
$729,750
$312,500
$729,750
$729,750
$312,500
$312,500
$312,500
$271,050
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
$271,050
$406,250
$271,050
$271,050
$271,050
$729,750
$271,050
$271,050
Owning a home has always been at the center of the American
Dream. For many homeowners, however, that dream is
threatened by foreclosure. An estimated 240,000 families can
avoid foreclosure by refinancing their mortgages using the new
FHASecure plan. FHA will allow families with strong credit
histories who had been making timely mortgage payments
before their loans reset-but are now in default-to qualify for
refinancing.
Dream. For many homeowners, however, that dream is
threatened by foreclosure. An estimated 240,000 families can
avoid foreclosure by refinancing their mortgages using the new
FHASecure plan. FHA will allow families with strong credit
histories who had been making timely mortgage payments
before their loans reset-but are now in default-to qualify for
refinancing.
Why Ask For An FHA Loan?
There are lots of reasons to ask your lender for an
FHA loan instead of taking a conventional or an not
take advantage of the many benefits and
protections that only come with FHA:
Easier to Qualify - Because FHA insures your
mortgage, lenders are more willing to give loans
with lower qualifying requirements so its easier for
you to qualify.
Less than Perfect Credit - Even if you have had
credit problems, such as bankruptcy, its easier for
you to qualify for an FHA loan than a conventional
loan.
Low Downpayment - We have a low 3%
downpayment, and that money can come from a
family member, employer or charitable organization.
Other loans don't allow this.
Costs Less - Many times, FHA loans have
competitive interest rates because the loans are
insured by the Federal Government. Always
compare an FHA loan with other loan types.
Help You Keep Your Home - The FHA has been
around since 1934 and will continue to be here to
protect you when the others walk away. Should
you encounter hard-times after buying your home,
FHA has many options to help keep you in your
home and avoid foreclosure.
There is more to buying your home then the
monthly house payment. Why not ask for an FHA
loan that will help you buy your house and keep it
too? Tell your lender you want an FHA loan for all
the reasons above- FHA is a wise choice.
WHAT IS FHASecure
FHASecure is a refinancing option that gives
homeowners with non-FHA adjustable rate
mortgages (ARMs), current or delinquent and
regardless of reset status, the ability to refinance
into a FHA-insured mortgage. With FHASecure, the
lender will not automatically disqualify you because
you are delinquent on your loan, and the lender
may offer you a second mortgage to make up the
difference between the value of your property and
what you owe.
By refinancing into a FHA-insured mortgage, you
can expect to pay lower monthly mortgage
payments. FHASecure can improve the quality of life
for many communities by helping to reduce the
number of mortgage defaults and bringing greater
stability to local housing markets.
There are lots of reasons to ask your lender for an
FHA loan instead of taking a conventional or an not
take advantage of the many benefits and
protections that only come with FHA:
Easier to Qualify - Because FHA insures your
mortgage, lenders are more willing to give loans
with lower qualifying requirements so its easier for
you to qualify.
Less than Perfect Credit - Even if you have had
credit problems, such as bankruptcy, its easier for
you to qualify for an FHA loan than a conventional
loan.
Low Downpayment - We have a low 3%
downpayment, and that money can come from a
family member, employer or charitable organization.
Other loans don't allow this.
Costs Less - Many times, FHA loans have
competitive interest rates because the loans are
insured by the Federal Government. Always
compare an FHA loan with other loan types.
Help You Keep Your Home - The FHA has been
around since 1934 and will continue to be here to
protect you when the others walk away. Should
you encounter hard-times after buying your home,
FHA has many options to help keep you in your
home and avoid foreclosure.
There is more to buying your home then the
monthly house payment. Why not ask for an FHA
loan that will help you buy your house and keep it
too? Tell your lender you want an FHA loan for all
the reasons above- FHA is a wise choice.
WHAT IS FHASecure
FHASecure is a refinancing option that gives
homeowners with non-FHA adjustable rate
mortgages (ARMs), current or delinquent and
regardless of reset status, the ability to refinance
into a FHA-insured mortgage. With FHASecure, the
lender will not automatically disqualify you because
you are delinquent on your loan, and the lender
may offer you a second mortgage to make up the
difference between the value of your property and
what you owe.
By refinancing into a FHA-insured mortgage, you
can expect to pay lower monthly mortgage
payments. FHASecure can improve the quality of life
for many communities by helping to reduce the
number of mortgage defaults and bringing greater
stability to local housing markets.