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Utah 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
BEAVER $200,160 $256,248 $256,248 $309,744
BOX ELDER $200,160 $256,248 $256,248 $309,744
CACHE $200,160 $256,248 $256,248 $309,744
CARBON $200,160 $256,248 $256,248 $309,744
DAGGETT $200,160 $256,248 $256,248 $309,744
DAVIS $200,160 $256,248 $256,248 $309,744
DUCHESNE $200,160 $256,248 $256,248 $309,744
EMERY $200,160 $256,248 $256,248 $309,744
GARFIELD $200,160 $256,248 $256,248 $309,744
GRAND $200,160 $256,248 $256,248 $309,744
IRON $200,160 $256,248 $256,248 $309,744
JUAB $200,160 $256,248 $256,248 $309,744
KANE $204,250 $256,248 $256,248 $309,744
MILLARD $200,160 $256,248 $256,248 $309,744
MORGAN $200,160 $256,248 $256,248 $309,744
PIUTE $200,160 $256,248 $256,248 $309,744
RICH $200,160 $256,248 $256,248 $309,744
SALT LAKE $232,750 $262,150 $262,150 $318,500
SAN JUAN $200,160 $256,248 $256,248 $309,744
SANPETE $200,160 $256,248 $256,248 $309,744
SEVIER $200,160 $256,248 $256,248 $309,744
SUMMIT $232,750 $262,150 $262,150 $318,500
TOOELE $232,750 $262,150 $262,150 $318,500
UINTAH $200,160 $256,248 $256,248 $309,744
UTAH $200,160 $256,248 $256,248 $309,744
WASATCH $200,160 $256,248 $256,248 $309,744
WASHINGTON $243,526 $274,287 $274,287 $333,246
WAYNE $200,160 $256,248 $256,248 $309,744
WEBER $200,160 $256,248 $256,248 $309,744