To qualify for a home purchase under current mortgage limits, buyers need to get a FHA Case Number Generation before Jan 1st. This requires a fully executed contract, property specific; re-fi will need full applications.
In order to sell your home within current mortgage limits, you must list your home to get in contract before Jan 1st.
As a prospective borrower that is between the FHA gap, its important to begin your application now.
If you have any questions or need help, please do not hesitate to contact me by email firstname.lastname@example.org or call 619-857-7191.