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Florida Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Cost of Funds Index - COFI
The Cost of Funds Index is one of the many interest rate indexes used to determine interest rate adjustments on an adjustable rate mortgages.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ALACHUA $200,160 $256,248 $256,248 $309,744
BAKER $294,500 $331,700 $331,700 $403,000
BAY $225,055 $256,248 $256,248 $309,744
BRADFORD $200,160 $256,248 $256,248 $309,744
BREVARD $207,761 $256,248 $256,248 $309,744
BROWARD $362,790 $413,695 $413,695 $502,621
CALHOUN $200,160 $256,248 $256,248 $309,744
CHARLOTTE $224,209 $256,248 $256,248 $309,744
CITRUS $200,160 $256,248 $256,248 $309,744
CLAY $294,500 $331,700 $331,700 $403,000
COLLIER $362,790 $427,893 $427,893 $519,870
COLUMBIA $200,160 $256,248 $256,248 $309,744
DE SOTO $200,160 $256,248 $256,248 $309,744
DIXIE $200,160 $256,248 $256,248 $309,744
DUVAL $294,500 $331,700 $331,700 $403,000
ESCAMBIA $200,160 $256,248 $256,248 $309,744
FLAGLER $218,500 $256,248 $256,248 $309,744
FRANKLIN $200,160 $256,248 $256,248 $309,744
GADSDEN $200,160 $256,248 $256,248 $309,744
GILCHRIST $200,160 $256,248 $256,248 $309,744
GLADES $200,160 $256,248 $256,248 $309,744
GULF $200,160 $256,248 $256,248 $309,744
HAMILTON $200,160 $256,248 $256,248 $309,744
HARDEE $200,160 $256,248 $256,248 $309,744
HENDRY $200,160 $256,248 $256,248 $309,744
HERNANDO $215,555 $256,248 $256,248 $309,744
HIGHLANDS $200,160 $256,248 $256,248 $309,744
HILLSBOROUGH $215,555 $256,248 $256,248 $309,744
HOLMES $200,160 $256,248 $256,248 $309,744
INDIAN RIVER $213,750 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
LAFAYETTE $200,160 $256,248 $256,248 $309,744
LAKE $248,200 $279,551 $279,551 $339,642
LEE $263,700 $297,009 $297,009 $360,852
LEON $200,160 $256,248 $256,248 $309,744
LEVY $200,160 $256,248 $256,248 $309,744
LIBERTY $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MANATEE $336,100 $378,554 $378,554 $459,926
MARION $200,160 $256,248 $256,248 $309,744
MARTIN $276,640 $311,584 $311,584 $378,560
MIAMI-DADE $362,790 $413,695 $413,695 $502,621
MONROE $362,790 $464,449 $464,449 $561,411
NASSAU $294,500 $331,700 $331,700 $403,000
OKALOOSA $218,405 $256,248 $256,248 $309,744
OKEECHOBEE $200,160 $256,248 $256,248 $309,744
ORANGE $248,200 $279,551 $279,551 $339,642
OSCEOLA $248,200 $279,551 $279,551 $339,642
PALM BEACH $362,790 $413,695 $413,695 $502,621
PASCO $215,555 $256,248 $256,248 $309,744
PINELLAS $215,555 $256,248 $256,248 $309,744
POLK $200,160 $256,248 $256,248 $309,744
PUTNAM $200,160 $256,248 $256,248 $309,744
SANTA ROSA $200,160 $256,248 $256,248 $309,744
SARASOTA $336,100 $378,554 $378,554 $459,926
SEMINOLE $248,200 $279,551 $279,551 $339,642
ST. JOHNS $294,500 $331,700 $331,700 $403,000
ST. LUCIE $276,640 $311,584 $311,584 $378,560
SUMTER $200,160 $256,248 $256,248 $309,744
SUWANNEE $200,160 $256,248 $256,248 $309,744
TAYLOR $200,160 $256,248 $256,248 $309,744
UNION $200,160 $256,248 $256,248 $309,744
VOLUSIA $200,160 $256,248 $256,248 $309,744
WAKULLA $200,160 $256,248 $256,248 $309,744
WALTON $362,790 $409,275 $409,275 $497,250
WASHINGTON $200,160 $256,248 $256,248 $309,744