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

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Automated Underwriting - AUS
An AUS is a computer-driven process for determining if a loan applicant is qualified to borrow. This process can be completed within a few minutes. An AUS can return a conditional approval which informs the lender on how to proceed with the loan application. The decision is based on information provided by the applicant and is subject to later verification. Information retrieved includes information about the borrower's credit history and the subject property.

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
ADAIR $200,160 $256,248 $256,248 $309,744
ADAMS $200,160 $256,248 $256,248 $309,744
ALLAMAKEE $200,160 $256,248 $256,248 $309,744
APPANOOSE $200,160 $256,248 $256,248 $309,744
AUDUBON $200,160 $256,248 $256,248 $309,744
BENTON $200,160 $256,248 $256,248 $309,744
BLACK HAWK $200,160 $256,248 $256,248 $309,744
BOONE $200,160 $256,248 $256,248 $309,744
BREMER $200,160 $256,248 $256,248 $309,744
BUCHANAN $200,160 $256,248 $256,248 $309,744
BUENA VISTA $200,160 $256,248 $256,248 $309,744
BUTLER $200,160 $256,248 $256,248 $309,744
CALHOUN $200,160 $256,248 $256,248 $309,744
CARROLL $200,160 $256,248 $256,248 $309,744
CASS $200,160 $256,248 $256,248 $309,744
CEDAR $200,160 $256,248 $256,248 $309,744
CERRO GORDO $200,160 $256,248 $256,248 $309,744
CHEROKEE $200,160 $256,248 $256,248 $309,744
CHICKASAW $200,160 $256,248 $256,248 $309,744
CLARKE $200,160 $256,248 $256,248 $309,744
CLAY $200,160 $256,248 $256,248 $309,744
CLAYTON $200,160 $256,248 $256,248 $309,744
CLINTON $200,160 $256,248 $256,248 $309,744
CRAWFORD $200,160 $256,248 $256,248 $309,744
DALLAS $200,160 $256,248 $256,248 $309,744
DAVIS $200,160 $256,248 $256,248 $309,744
DECATUR $200,160 $256,248 $256,248 $309,744
DELAWARE $200,160 $256,248 $256,248 $309,744
DES MOINES $200,160 $256,248 $256,248 $309,744
DICKINSON $200,160 $256,248 $256,248 $309,744
DUBUQUE $200,160 $256,248 $256,248 $309,744
EMMET $200,160 $256,248 $256,248 $309,744
FAYETTE $200,160 $256,248 $256,248 $309,744
FLOYD $200,160 $256,248 $256,248 $309,744
FRANKLIN $200,160 $256,248 $256,248 $309,744
FREMONT $200,160 $256,248 $256,248 $309,744
GREENE $200,160 $256,248 $256,248 $309,744
GRUNDY $200,160 $256,248 $256,248 $309,744
GUTHRIE $200,160 $256,248 $256,248 $309,744
HAMILTON $200,160 $256,248 $256,248 $309,744
HANCOCK $200,160 $256,248 $256,248 $309,744
HARDIN $200,160 $256,248 $256,248 $309,744
HARRISON $200,160 $256,248 $256,248 $309,744
HENRY $200,160 $256,248 $256,248 $309,744
HOWARD $200,160 $256,248 $256,248 $309,744
HUMBOLDT $200,160 $256,248 $256,248 $309,744
IDA $200,160 $256,248 $256,248 $309,744
IOWA $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JASPER $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
JOHNSON $200,160 $256,248 $256,248 $309,744
JONES $200,160 $256,248 $256,248 $309,744
KEOKUK $200,160 $256,248 $256,248 $309,744
KOSSUTH $200,160 $256,248 $256,248 $309,744
LEE $200,160 $256,248 $256,248 $309,744
LINN $200,160 $256,248 $256,248 $309,744
LOUISA $200,160 $256,248 $256,248 $309,744
LUCAS $200,160 $256,248 $256,248 $309,744
LYON $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MAHASKA $200,160 $256,248 $256,248 $309,744
MARION $200,160 $256,248 $256,248 $309,744
MARSHALL $200,160 $256,248 $256,248 $309,744
MILLS $200,160 $256,248 $256,248 $309,744
MITCHELL $200,160 $256,248 $256,248 $309,744
MONONA $200,160 $256,248 $256,248 $309,744
MONROE $200,160 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
MUSCATINE $200,160 $256,248 $256,248 $309,744
O'BRIEN $200,160 $256,248 $256,248 $309,744
OSCEOLA $200,160 $256,248 $256,248 $309,744
PAGE $200,160 $256,248 $256,248 $309,744
PALO ALTO $200,160 $256,248 $256,248 $309,744
PLYMOUTH $200,160 $256,248 $256,248 $309,744
POCAHONTAS $200,160 $256,248 $256,248 $309,744
POLK $200,160 $256,248 $256,248 $309,744
POTTAWATTAMIE $200,160 $256,248 $256,248 $309,744
POWESHIEK $200,160 $256,248 $256,248 $309,744
RINGGOLD $200,160 $256,248 $256,248 $309,744
SAC $200,160 $256,248 $256,248 $309,744
SCOTT $200,160 $256,248 $256,248 $309,744
SHELBY $200,160 $256,248 $256,248 $309,744
SIOUX $200,160 $256,248 $256,248 $309,744
STORY $200,160 $256,248 $256,248 $309,744
TAMA $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
VAN BUREN $200,160 $256,248 $256,248 $309,744
WAPELLO $200,160 $256,248 $256,248 $309,744
WARREN $200,160 $256,248 $256,248 $309,744
WASHINGTON $200,160 $256,248 $256,248 $309,744
WAYNE $200,160 $256,248 $256,248 $309,744
WEBSTER $200,160 $256,248 $256,248 $309,744
WINNEBAGO $200,160 $256,248 $256,248 $309,744
WINNESHIEK $200,160 $256,248 $256,248 $309,744
WOODBURY $200,160 $256,248 $256,248 $309,744
WORTH $200,160 $256,248 $256,248 $309,744
WRIGHT $200,160 $256,248 $256,248 $309,744