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North Dakota 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
ADAMS $200,160 $256,248 $256,248 $309,744
BARNES $200,160 $256,248 $256,248 $309,744
BENSON $200,160 $256,248 $256,248 $309,744
BILLINGS $200,160 $256,248 $256,248 $309,744
BOTTINEAU $200,160 $256,248 $256,248 $309,744
BOWMAN $200,160 $256,248 $256,248 $309,744
BURKE $200,160 $256,248 $256,248 $309,744
BURLEIGH $200,160 $256,248 $256,248 $309,744
CASS $200,160 $256,248 $256,248 $309,744
CAVALIER $200,160 $256,248 $256,248 $309,744
DICKEY $200,160 $256,248 $256,248 $309,744
DIVIDE $200,160 $256,248 $256,248 $309,744
DUNN $200,160 $256,248 $256,248 $309,744
EDDY $200,160 $256,248 $256,248 $309,744
EMMONS $200,160 $256,248 $256,248 $309,744
FOSTER $200,160 $256,248 $256,248 $309,744
GOLDEN VALLEY $200,160 $256,248 $256,248 $309,744
GRAND FORKS $200,160 $256,248 $256,248 $309,744
GRANT $200,160 $256,248 $256,248 $309,744
GRIGGS $200,160 $256,248 $256,248 $309,744
HETTINGER $200,160 $256,248 $256,248 $309,744
KIDDER $200,160 $256,248 $256,248 $309,744
LA MOURE $200,160 $256,248 $256,248 $309,744
LOGAN $200,160 $256,248 $256,248 $309,744
MCHENRY $200,160 $256,248 $256,248 $309,744
MCINTOSH $200,160 $256,248 $256,248 $309,744
MCKENZIE $200,160 $256,248 $256,248 $309,744
MCLEAN $200,160 $256,248 $256,248 $309,744
MERCER $200,160 $256,248 $256,248 $309,744
MORTON $200,160 $256,248 $256,248 $309,744
MOUNTRAIL $200,160 $256,248 $256,248 $309,744
NELSON $200,160 $256,248 $256,248 $309,744
OLIVER $200,160 $256,248 $256,248 $309,744
PEMBINA $200,160 $256,248 $256,248 $309,744
PIERCE $200,160 $256,248 $256,248 $309,744
RAMSEY $200,160 $256,248 $256,248 $309,744
RANSOM $200,160 $256,248 $256,248 $309,744
RENVILLE $200,160 $256,248 $256,248 $309,744
RICHLAND $200,160 $256,248 $256,248 $309,744
ROLETTE $200,160 $256,248 $256,248 $309,744
SARGENT $200,160 $256,248 $256,248 $309,744
SHERIDAN $200,160 $256,248 $256,248 $309,744
SIOUX $200,160 $256,248 $256,248 $309,744
SLOPE $200,160 $256,248 $256,248 $309,744
STARK $200,160 $256,248 $256,248 $309,744
STEELE $200,160 $256,248 $256,248 $309,744
STUTSMAN $200,160 $256,248 $256,248 $309,744
TOWNER $200,160 $256,248 $256,248 $309,744
TRAILL $200,160 $256,248 $256,248 $309,744
WALSH $200,160 $256,248 $256,248 $309,744
WARD $200,160 $256,248 $256,248 $309,744
WELLS $200,160 $256,248 $256,248 $309,744
WILLIAMS $200,160 $256,248 $256,248 $309,744