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Any loan that is started on or after Oct 4^th, will have the new mortgage insurance changes.  These changes are:

1. Monthly Mortgage Insurance will go up from .55% to 85-90%.  Any LTV 95%+ will have .90% monthly mortgage insurance
2. The Up Front Mortgage Insurance will go down from 2.25% to 1%

In order to not have these changes affect someone's loan, the FHA case number must be ordered before Oct 4^th.  Depending on the speed of your mortgage lender this could take a couple days to do.  While the up front mortgage insurance going down is good news.  The monthly mortgage insurance going up will increase your buyer's monthly payment and may affect how much they can be approved for.  On a $100k loan amount their payment would increase $29.  For more information check out: FHA Changes.