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Minnesota 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
AITKIN $200,160 $256,248 $256,248 $309,744
ANOKA $251,750 $275,525 $275,525 $334,750
BECKER $200,160 $256,248 $256,248 $309,744
BELTRAMI $200,160 $256,248 $256,248 $309,744
BENTON $200,160 $256,248 $256,248 $309,744
BIG STONE $200,160 $256,248 $256,248 $309,744
BLUE EARTH $200,160 $256,248 $256,248 $309,744
BROWN $200,160 $256,248 $256,248 $309,744
CARLTON $200,160 $256,248 $256,248 $309,744
CARVER $251,750 $275,525 $275,525 $334,750
CASS $200,160 $256,248 $256,248 $309,744
CHIPPEWA $200,160 $256,248 $256,248 $309,744
CHISAGO $251,750 $275,525 $275,525 $334,750
CLAY $200,160 $256,248 $256,248 $309,744
CLEARWATER $200,160 $256,248 $256,248 $309,744
COOK $200,160 $256,248 $256,248 $309,744
COTTONWOOD $200,160 $256,248 $256,248 $309,744
CROW WING $200,160 $256,248 $256,248 $309,744
DAKOTA $251,750 $275,525 $275,525 $334,750
DODGE $200,160 $256,248 $256,248 $309,744
DOUGLAS $200,160 $256,248 $256,248 $309,744
FARIBAULT $200,160 $256,248 $256,248 $309,744
FILLMORE $200,160 $256,248 $256,248 $309,744
FREEBORN $200,160 $256,248 $256,248 $309,744
GOODHUE $200,160 $256,248 $256,248 $309,744
GRANT $200,160 $256,248 $256,248 $309,744
HENNEPIN $251,750 $275,525 $275,525 $334,750
HOUSTON $200,160 $256,248 $256,248 $309,744
HUBBARD $200,160 $256,248 $256,248 $309,744
ISANTI $251,750 $275,525 $275,525 $334,750
ITASCA $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
KANABEC $200,160 $256,248 $256,248 $309,744
KANDIYOHI $200,160 $256,248 $256,248 $309,744
KITTSON $200,160 $256,248 $256,248 $309,744
KOOCHICHING $200,160 $256,248 $256,248 $309,744
LAC QUI PARLE $200,160 $256,248 $256,248 $309,744
LAKE $200,160 $256,248 $256,248 $309,744
LAKE OF THE WOO $200,160 $256,248 $256,248 $309,744
LE SUEUR $200,160 $256,248 $256,248 $309,744
LINCOLN $200,160 $256,248 $256,248 $309,744
LYON $200,160 $256,248 $256,248 $309,744
MAHNOMEN $200,160 $256,248 $256,248 $309,744
MARSHALL $200,160 $256,248 $256,248 $309,744
MARTIN $200,160 $256,248 $256,248 $309,744
MCLEOD $200,160 $256,248 $256,248 $309,744
MEEKER $200,160 $256,248 $256,248 $309,744
MILLE LACS $200,160 $256,248 $256,248 $309,744
MORRISON $200,160 $256,248 $256,248 $309,744
MOWER $200,160 $256,248 $256,248 $309,744
MURRAY $200,160 $256,248 $256,248 $309,744
NICOLLET $200,160 $256,248 $256,248 $309,744
NOBLES $200,160 $256,248 $256,248 $309,744
NORMAN $200,160 $256,248 $256,248 $309,744
OLMSTED $200,160 $256,248 $256,248 $309,744
OTTER TAIL $200,160 $256,248 $256,248 $309,744
PENNINGTON $200,160 $256,248 $256,248 $309,744
PINE $200,160 $256,248 $256,248 $309,744
PIPESTONE $200,160 $256,248 $256,248 $309,744
POLK $200,160 $256,248 $256,248 $309,744
POPE $200,160 $256,248 $256,248 $309,744
RAMSEY $251,750 $275,525 $275,525 $334,750
RED LAKE $200,160 $256,248 $256,248 $309,744
REDWOOD $200,160 $256,248 $256,248 $309,744
RENVILLE $200,160 $256,248 $256,248 $309,744
RICE $200,160 $256,248 $256,248 $309,744
ROCK $200,160 $256,248 $256,248 $309,744
ROSEAU $200,160 $256,248 $256,248 $309,744
SCOTT $251,750 $275,525 $275,525 $334,750
SHERBURNE $251,750 $275,525 $275,525 $334,750
SIBLEY $200,160 $256,248 $256,248 $309,744
ST. LOUIS $200,160 $256,248 $256,248 $309,744
STEARNS $200,160 $256,248 $256,248 $309,744
STEELE $200,160 $256,248 $256,248 $309,744
STEVENS $200,160 $256,248 $256,248 $309,744
SWIFT $200,160 $256,248 $256,248 $309,744
TODD $200,160 $256,248 $256,248 $309,744
TRAVERSE $200,160 $256,248 $256,248 $309,744
WABASHA $200,160 $256,248 $256,248 $309,744
WADENA $200,160 $256,248 $256,248 $309,744
WASECA $200,160 $256,248 $256,248 $309,744
WASHINGTON $251,750 $275,525 $275,525 $334,750
WATONWAN $200,160 $256,248 $256,248 $309,744
WILKIN $200,160 $256,248 $256,248 $309,744
WINONA $200,160 $256,248 $256,248 $309,744
WRIGHT $251,750 $275,525 $275,525 $334,750
YELLOW MEDICINE $200,160 $256,248 $256,248 $309,744