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Coleen TeBockhorst Senior Loan Officer | NMLS #274205 Bloomington – 302503 Bay Equity Home Loans Mortgage Professional Reviews Loan Programs – American Liberty Mortgage – Polk County -Winter Haven, Florida FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2019 FHA loan limits for each county in Florida are below.