Will a cash out refi count towards the limit of FHA loans I can get?. I have one FHA loan and 3 cash out refi commercial loans. After my 12 months is up I am looking to apply for another owner occupancy FHA loan. Thank you

Originally posted by @Robert Barnes :

Will a cash out refi count towards the limit of FHA loans I can get?. I have one FHA loan and 3 cash out refi commercial loans. After my 12 months is up I am looking to apply for another owner occupancy FHA loan. Thank you

 It is a loan regardless of if you refi or do a cash out refi.  It will show on your credit as 1 tradeline.  

You can only have 1 FHA loan at a time unless you have a qualified life event and 15% equity in the property

@Brie Schmidt Thank you.  I hope to but 3.5% down on a duplex in August and I've heard that your only allowed so many mortgages. When I apply in August that will technically be my second loan. However I do have a few cash out refi's.

Refinances are mortgages and count towards the total. You say that you have commercial loans. Are they true commercial loans or conforming loans on commercial properties?

I have a package of single family house cashed out in the commercial loan department with my credit union.