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(c) EFFECTIVE DATE.—The amendments made by 
this section shall apply to mortgages insured under title 
II of the National Housing Act after September 30, 2010. 
SEC. 20. SPECIAL FORBEARANCE FOR MORTGAGORS WITH 
CHINESE DRYWALL. 
The provisions of Mortgagee Letter 2002–17 of the 
Secretary of Housing and Urban Development (regarding 
‘‘Special Forbearance: Program Changes and Updates’’) 
relating to Type I Special Forbearance shall apply, until 
the conclusion of fiscal year 2011 and may not be revoked, 
annulled, repealed, or rescinded during such period, with 
respect to mortgagees of mortgages insured under title II 
of the National Housing Act that are secured by one- to 
four-family dwellings that have problem or damaging 
drywall products. 
SEC. 21. INCREASED LOAN LIMITS FOR DESIGNATED COUN-
TIES. 
(a) AUTHORITY.—Notwithstanding any other provi-
sion of law, the Secretary of Housing and Urban Develop-
ment (in this section referred to as the ‘‘Secretary’’) may 
increase the dollar amount limitations on the principal ob-
ligation of mortgages otherwise determined under section 
203(b)(2) of the National Housing Act for any county that 
is designated under this section. 
(b) PROCEDURE.— 
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(1) FEDERAL REGISTER NOTICE.—Any designa-
tion of a county under this section shall be made 
only pursuant to application by the county for such 
designation, in accordance with procedures that the 
Secretary may establish. The Secretary may estab-
lish such procedures only by publication in the Fed-
eral Register not later than 60 days after the date 
of the enactment of this Act. 
(2) FINAL DETERMINATION.—If the Secretary 
establishes procedures for applications under para-
graph (1) and receives a completed application for 
designation under this section of a county in accord-
ance with such procedures, the Secretary shall issue 
a final determination regarding such application for 
designation, based on the criteria under subsection 
(c), not later than 60 days after such receipt. 
(c) DETERMINATION CRITERIA.—The Secretary may 
designate an applicant county under this section only if 
the county is located within a micropolitan area (as such 
term is defined by the Director of the Office of Manage-
ment and Budget) and meets the following criteria: 
(1) More than 70 percent of the border of the 
applicant county abuts two or more metropolitan 
statistical areas (as such term is defined by the Di-
rector of the Office of Management and Budget) for 
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which each dollar amount limitation on the principal 
obligation of a mortgage that may be insured under 
section 203 of the National Housing Act, in effect 
at the time of such determination, is at least 40 per-
cent greater than the dollar amount limitation for 
the same size residence for the applicant county. For 
purposes of such calculation, the dollar amount limi-
tations of such abutting counties shall not include 
any increase attributable to the authority under this 
section. 
(2) The applicant county has experienced sig-
nificant population growth, as evidenced by an in-
crease of 15 percent or more during the 10 years 
preceding the application, according to statistics of 
the United States Census Bureau or such other ap-
propriate criteria as the Secretary shall establish. 
(3) The dollar amount limitation on the prin-
cipal obligation of a mortgage on housing in the ap-
plicant county that may be insured under section 
203 of the National Housing Act, in effect at the 
time of such application, is the minimum such dollar 
amount limitation allowable under the matter that 
follows clause (ii) in section 203(b)(2)(A) of the Na-
tional Housing Act. 
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(d) ESTABLISHMENT OF LOAN LIMITS.—For a coun-
ty designated under this section, the Secretary may in-
crease the maximum dollar amount limitations on the 
principal obligation of mortgages otherwise determined 
under section 203(b)(2) of the National Housing Act to 
such levels as are appropriate, taking into consideration 
the criteria established for such designation, but not to 
exceed the dollar amount limitations for the abutting met-
ropolitan statistical area meeting the requirements of sub-
section (c)(1) that has the lowest such dollar amount limi-
tations. 
(e) EFFECTIVE DATE AND TERM OF DESIGNATION 
OF NEW COUNTYWIDE LOAN LIMITS.—A designation of 
a county under this section, and the maximum dollar 
amount limitations for such county pursuant to subsection 
(d), shall— 
(1) take effect upon the expiration of the 60- 
day period that begins upon the final determination 
for the county referred to in subsection (b)(2); and 
(2) remain in effect until the end of the cal-
endar year in which such designation takes effect. 
(f) LOAN LIMITS FOR SUCCEEDING YEARS.—With 
respect to each calendar year immediately following the 
calendar year in which a county is designated under this 
subsection, the Secretary may, notwithstanding any other 
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