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Anyone can view the loan limits for a particular area by visiting the FHA Mortgage Limits website at https://entp.hud.gov/idapp/html/hicostlook.cfm A mortgage that is to be insured by FHA cannot exceed the Nationwide Mortgage Limits, the nationwide area mortgage limit, or the maximum Loan-to-Value (LTV) ratio. The maximum LTV ratios vary depending upon the type of Borrower, type of transaction (purchase or refinance), program type, and stage of construction.