The limit could have to do with whether you paid points, and if you refinanced and answered a question incorrectly, the software could be adding the loan amounts together and creating the limitation. For the original loan which was paid off due to the refinance, make sure to select that it was paid off or refinanced with another lender, that it is secured by a property of yours, and that it is the original loan you used to buy your home.
@pwillsey4
