Brunswick FHA Loan Rates, Closing Costs & Stats

BRUNSWICK, GA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Brunswick's 64 lenders originated 403 FHA loans during 2024. The total origination value was $97,655,000, with an average FHA loan value of $242,320.

    Brunswick FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Brunswick averaged 6.22% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Brunswick's average FHA mortgage closing costs are $8,057.

    The average rate for the prior week (2025-03-28) was 6.61% and one month ago for the week of 2025-02-28, the average rate was 6.7%.

    The average rate one year ago was 6.52%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.1%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Brunswick FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Brunswick level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 99 6.34% $11,208
    DHI MORTGAGE COMPANY, LTD. 25 5.21% $7,636
    UNITED WHOLESALE MORTGAGE, LLC 22 6.29% $10,892
    PREMIER MORTGAGE RESOURCES, L.L.C. 19 7.05% $10,987
    FREEDOM MORTGAGE CORPORATION 15 6.22% $11,970
    BROKER SOLUTIONS, INC. 13 7.05% $10,006
    Presidential Bank, FSB 13 6.40% $11,754
    TOWNE MORTGAGE COMPANY 11 6.35% $8,986
    PLANET HOME LENDING, LLC 10 6.95% $13,938
    PENNYMAC LOAN SERVICES, LLC 9 6.03% $12,318
    Capital City Home Loans, LLC 7 6.29% $12,796
    INSPIRE HOME LOANS INC. 7 5.86% $8,705
    HOMESIDE FINANCIAL, LLC 7 6.48% $11,043
    Equity Prime Mortgage LLC 6 7.54% $9,517
    United Community Bank 6 6.38% $9,593
    Century Mortgage Company DBA Century Lending Company 6 6.29% $9,418
    Flagstar Bank, FSB 4 6.28% $10,549
    CMG MORTGAGE, INC. 4 6.78% $13,909
    Paramount Residential Mortgage Group, Inc. 4 6.56% $9,067
    NEWREZ LLC 4 6.72% $11,613
    LOANDEPOT.COM, LLC 4 5.97% $11,170
    Mr. Cooper ( Nationstar Mortgage ) 4 6.59% $11,264
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.50% $15,394
    Carrington Mortgage Services, LLC 4 6.25% $12,153
    AMERISAVE MORTGAGE CORPORATION 3 6.29% $11,396
    CROSSCOUNTRY MORTGAGE, LLC 3 6.90% $10,313
    Cornerstone First Mortgage, Inc 3 6.83% $11,654
    Loan Simple, Inc. 2 7.00% $14,185
    MILEND, INC. 2 6.44% $13,128
    Ameris Bank 2 6.44% $8,420
    First Federal Bank 2 6.63% $5,700
    SUN WEST MORTGAGE COMPANY, INC. 2 6.42% $9,758
    BANKSOUTH MORTGAGE COMPANY, LLC 2 6.13% $10,038
    GUILD MORTGAGE COMPANY 2 6.31% $10,139
    GUARANTEED RATE, INC. 2 6.75% $18,080
    ROYAL UNITED MORTGAGE LLC 2 6.13% $13,435
    LAKEVIEW LOAN SERVICING, LLC 2 5.75% $7,882
    Wells Fargo Bank 1 5.25% $801
    AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $12,125
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.75% $7,380
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $11,309
    CANOPY MORTGAGE, LLC 1 5.38% $24,195
    EMM LOANS LLC 1 5.88% $13,306
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $12,503
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.38% $17,001
    Mortgage Lenders Investment Trading Corporation 1 6.75% $19,620
    MOVEMENT MORTGAGE, LLC 1 7.63% $8,215
    NATIONS DIRECT MORTGAGE, LLC 1 6.75% $11,279
    Nations Lending Corporation 1 6.75% $8,594
    NORWICH COMMERCIAL GROUP, INC. 1 7.25% $3,609
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $13,216
    PHH Mortgage Corporation 1 5.99% $14,127
    Plains Commerce Bank 1 7.25% $19,331
    Renasant Bank 1 6.99% $9,992
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.75% $25,907
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.75% $10,254
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.00% $15,826
    Texana Bank 1 5.75% $15,581
    The Federal Savings Bank 1 6.75% $12,626
    Truist 1 5.75% $9,173
    U.S. Bank 1 6.75% $3,926
    VERITAS FUNDING, LLC 1 6.75% $15,002
    VILLAGE CAPITAL MORTGAGE 1 6.25% $5,076
    ACOPIA, LLC 1 6.00% $13,066

    The top Brunswick FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 99 FHA loans originated. Their average total fees are $11,208, which is $3,572 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Brunswick FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($7,636), TOWNE MORTGAGE COMPANY ($8,986), BROKER SOLUTIONS, INC. ($10,006), UNITED WHOLESALE MORTGAGE, LLC ($10,892) and PREMIER MORTGAGE RESOURCES, L.L.C. ($10,987).

    The lowest rate Brunswick FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.21%), FREEDOM MORTGAGE CORPORATION (6.22%), UNITED WHOLESALE MORTGAGE, LLC (6.29%), QUICKEN LOANS, LLC (6.34%) and TOWNE MORTGAGE COMPANY (6.35%).

    Brunswick FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    BRUNSWICK, GA BRANTLEY 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA GLYNN 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA MCINTOSH 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA BRANTLEY 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA GLYNN 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA MCINTOSH 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Brunswick (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $344,250 (-1.1%) $702,237 (1.6%) 0.00 1,062
    2018-02-01 $344,950 (-1.4%) $682,402 (-1.5%) 0.00 1,144
    2018-03-01 $344,900 (-1.4%) $693,006 (-1.0%) 0.00 1,216
    2018-04-01 $347,450 (-1.3%) $682,517 (-3.5%) 0.00 1,268
    2018-05-01 $349,900 (-1.6%) $683,589 (-5.3%) 0.00 1,270
    2018-06-01 $359,000 (2.4%) $685,628 (-6.1%) 0.00 1,285
    2018-07-01 $372,495 (7.5%) $700,969 (-1.3%) 0.00 1,272
    2018-08-01 $349,900 (2.0%) $674,251 (-4.2%) 0.00 1,396
    2018-09-01 $379,700 (9.4%) $705,882 (0.0%) 0.00 1,173
    2018-10-01 $379,900 (9.5%) $711,138 (0.6%) 0.00 1,145
    2018-11-01 $374,500 (7.2%) $684,753 (-2.3%) 0.00 1,138
    2018-12-01 $359,000 (2.6%) $672,730 (-4.8%) 0.00 1,131
    2019-01-01 $349,971 (1.7%) $672,737 (-4.2%) 0.00 1,116
    2019-02-01 $349,900 (1.4%) $678,019 (-0.6%) 0.00 1,161
    2019-03-01 $360,657 (4.6%) $699,236 (0.9%) 0.00 1,174
    2019-04-01 $374,900 (7.9%) $720,345 (5.5%) 0.00 1,165
    2019-05-01 $378,000 (8.0%) $719,914 (5.3%) 0.00 1,197
    2019-06-01 $379,900 (5.8%) $721,623 (5.3%) 0.00 1,192
    2019-07-01 $385,000 (3.4%) $743,323 (6.0%) 0.00 1,136
    2019-08-01 $383,364 (9.6%) $749,130 (11.1%) 0.00 1,080
    2019-09-01 $380,909 (0.3%) $747,713 (5.9%) 0.00 1,053
    2019-10-01 $377,225 (-0.7%) $746,308 (5.0%) 0.00 1,036
    2019-11-01 $375,000 (0.1%) $736,873 (7.6%) 0.00 1,031
    2019-12-01 $375,000 (4.5%) $721,969 (7.3%) 0.00 1,009
    2020-01-01 $379,000 (8.3%) $705,214 (4.8%) 0.00 959
    2020-02-01 $382,000 (9.2%) $699,457 (3.2%) 0.00 1,060
    2020-03-01 $384,975 (6.7%) $686,799 (-1.8%) 0.00 1,103
    2020-04-01 $381,000 (1.6%) $675,710 (-6.2%) 0.00 1,099
    2020-05-01 $388,000 (2.7%) $669,050 (-7.1%) 0.00 1,082
    2020-06-01 $397,250 (4.6%) $684,477 (-5.2%) 0.00 1,018
    2020-07-01 $399,000 (3.6%) $698,745 (-6.0%) 0.00 954
    2020-08-01 $390,000 (1.7%) $708,144 (-5.5%) 0.00 845
    2020-09-01 $382,000 (0.3%) $705,048 (-5.7%) 0.00 786
    2020-10-01 $375,000 (-0.6%) $693,789 (-7.0%) 0.00 739
    2020-11-01 $362,400 (-3.4%) $684,756 (-7.1%) 0.00 696
    2020-12-01 $358,425 (-4.4%) $694,862 (-3.8%) 0.00 639
    2021-01-01 $355,900 (-6.1%) $724,450 (2.7%) 0.00 596
    2021-02-01 $349,950 (-8.4%) $701,529 (0.3%) 0.00 552
    2021-03-01 $343,625 (-10.7%) $706,833 (2.9%) 0.00 519
    2021-04-01 $346,600 (-9.0%) $708,710 (4.9%) 0.00 485
    2021-05-01 $329,900 (-15.0%) $729,834 (9.1%) 0.00 488
    2021-06-01 $345,749 (-13.0%) $692,805 (1.2%) 0.00 468
    2021-07-01 $349,900 (-12.3%) $700,605 (0.3%) 0.00 452
    2021-08-01 $354,400 (-9.1%) $673,866 (-4.8%) 0.00 470
    2021-09-01 $361,675 (-5.3%) $692,041 (-1.8%) 0.00 472
    2021-10-01 $375,000 (0.0%) $694,683 (0.1%) 0.00 444
    2021-11-01 $384,194 (6.0%) $706,428 (3.2%) 0.00 450
    2021-12-01 $399,900 (11.6%) $749,958 (7.9%) 0.00 397
    2022-01-01 $420,096 (18.0%) $763,210 (5.4%) 0.00 364
    2022-02-01 $435,716 (24.5%) $732,365 (4.4%) 0.00 363
    2022-03-01 $399,900 (16.4%) $749,908 (6.1%) 0.00 349
    2022-04-01 $379,900 (9.6%) $841,784 (18.8%) 0.00 344
    2022-05-01 $398,118 (20.7%) $869,242 (19.1%) 0.00 372
    2022-06-01 $389,175 (12.6%) $831,914 (20.1%) 0.00 385
    2022-07-01 $412,400 (17.9%) $764,934 (9.2%) 0.00 401
    2022-08-01 $412,200 (16.3%) $789,741 (17.2%) 0.00 415
    2022-09-01 $420,407 (16.2%) $803,989 (16.2%) 0.00 422
    2022-10-01 $399,900 (6.6%) $859,829 (23.8%) 0.00 450
    2022-11-01 $398,925 (3.8%) $819,662 (16.0%) 0.00 467
    2022-12-01 $395,000 (-1.2%) $820,740 (9.4%) 0.00 459
    2023-01-01 $396,675 (-5.6%) $886,274 (16.1%) 0.00 400
    2023-02-01 $394,950 (-9.4%) $877,333 (19.8%) 0.00 393
    2023-03-01 $406,225 (1.6%) $881,636 (17.6%) 0.00 383
    2023-04-01 $399,000 (5.0%) $898,388 (6.7%) 0.00 378
    2023-05-01 $404,900 (1.7%) $926,074 (6.5%) 0.00 373
    2023-06-01 $424,995 (9.2%) $956,818 (15.0%) 0.00 378
    2023-07-01 $444,450 (7.8%) $1,022,430 (33.7%) 0.00 385
    2023-08-01 $450,000 (9.2%) $1,039,311 (31.6%) 0.00 405
    2023-09-01 $435,000 (3.5%) $988,232 (22.9%) 0.00 420
    2023-10-01 $439,700 (10.0%) $943,351 (9.7%) 0.00 461
    2023-11-01 $453,750 (13.7%) $961,316 (17.3%) 0.00 480
    2023-12-01 $437,446 (10.8%) $924,216 (12.6%) 0.00 481
    2024-01-01 $438,144 (10.5%) $902,642 (1.9%) 0.00 456
    2024-02-01 $428,250 (8.4%) $901,857 (2.8%) 0.00 462
    2024-03-01 $439,500 (8.2%) $961,193 (9.0%) 0.00 476
    2024-04-01 $452,450 (13.4%) $968,242 (7.8%) 0.00 715
    2024-05-01 $449,675 (11.1%) $975,774 (5.4%) 0.00 741
    2024-06-01 $449,000 (5.7%) $999,599 (4.5%) 0.00 740
    2024-07-01 $442,725 (-0.4%) $991,216 (-3.1%) 0.00 802
    2024-08-01 $449,950 (0.0%) $1,000,655 (-3.7%) 0.00 813
    2024-09-01 $449,500 (3.3%) $981,913 (-0.6%) 0.00 842
    2024-10-01 $429,825 (-2.3%) $956,977 (1.4%) 0.00 819
    2024-11-01 $434,800 (-4.2%) $960,297 (-0.1%) 0.00 871
    2024-12-01 $439,250 (0.4%) $983,822 (6.5%) 0.00 859
    2025-01-01 $448,800 (2.4%) $981,912 (8.8%) 0.00 838
    2025-02-01 $444,975 (3.9%) $945,599 (4.9%) 0.00 912
    2025-03-01 $464,450 (5.7%) $975,870 (1.5%) 0.00 973
    Brunswick's median listing price for 2025-03-01 was $464,450, a difference of $24,950 (5.7%) versus the prior year and $19,475 versus the prior month.

    Brunswick's median listing price comes in at 0% of the national average.

    Brunswick's average listing price for 2025-03-01 was $975,870, a difference of $14,677 (1.5%) versus the prior year and $30,271 versus the prior month.

    For the 2025-03-01 period, Brunswick had 973 MLS listings, a difference of 61 listings (7%) versus the prior month and 497 listings (104%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Brunswick (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,140 sqft
    2018-02-01 0 days 2,114 sqft
    2018-03-01 0 days 2,100 sqft
    2018-04-01 0 days 2,107 sqft
    2018-05-01 0 days 2,152 sqft
    2018-06-01 0 days 2,191 sqft
    2018-07-01 0 days 2,201 sqft
    2018-08-01 0 days 2,206 sqft
    2018-09-01 0 days 2,201 sqft
    2018-10-01 0 days 2,202 sqft
    2018-11-01 0 days 2,182 sqft
    2018-12-01 0 days 2,105 sqft
    2019-01-01 0 days 2,087 sqft
    2019-02-01 0 days 2,053 sqft
    2019-03-01 0 days 2,094 sqft
    2019-04-01 0 days 2,158 sqft
    2019-05-01 0 days 2,170 sqft
    2019-06-01 0 days 2,200 sqft
    2019-07-01 0 days 2,200 sqft
    2019-08-01 0 days 2,201 sqft
    2019-09-01 0 days 2,201 sqft
    2019-10-01 0 days 2,202 sqft
    2019-11-01 0 days 2,152 sqft
    2019-12-01 0 days 2,149 sqft
    2020-01-01 0 days 2,118 sqft
    2020-02-01 0 days 2,077 sqft
    2020-03-01 0 days 2,058 sqft
    2020-04-01 0 days 2,093 sqft
    2020-05-01 0 days 2,116 sqft
    2020-06-01 0 days 2,139 sqft
    2020-07-01 0 days 2,101 sqft
    2020-08-01 0 days 2,077 sqft
    2020-09-01 0 days 2,048 sqft
    2020-10-01 0 days 2,063 sqft
    2020-11-01 0 days 2,014 sqft
    2020-12-01 0 days 1,994 sqft
    2021-01-01 0 days 2,000 sqft
    2021-02-01 0 days 2,002 sqft
    2021-03-01 0 days 2,009 sqft
    2021-04-01 0 days 1,951 sqft
    2021-05-01 0 days 1,924 sqft
    2021-06-01 0 days 1,925 sqft
    2021-07-01 0 days 1,926 sqft
    2021-08-01 0 days 2,001 sqft
    2021-09-01 0 days 1,954 sqft
    2021-10-01 0 days 2,036 sqft
    2021-11-01 0 days 2,038 sqft
    2021-12-01 0 days 2,116 sqft
    2022-01-01 0 days 2,126 sqft
    2022-02-01 0 days 2,035 sqft
    2022-03-01 0 days 1,944 sqft
    2022-04-01 0 days 1,922 sqft
    2022-05-01 0 days 2,037 sqft
    2022-06-01 0 days 1,983 sqft
    2022-07-01 0 days 1,995 sqft
    2022-08-01 0 days 1,963 sqft
    2022-09-01 0 days 2,031 sqft
    2022-10-01 0 days 2,029 sqft
    2022-11-01 0 days 2,008 sqft
    2022-12-01 0 days 1,965 sqft
    2023-01-01 0 days 1,965 sqft
    2023-02-01 0 days 2,000 sqft
    2023-03-01 0 days 2,029 sqft
    2023-04-01 0 days 1,985 sqft
    2023-05-01 0 days 2,016 sqft
    2023-06-01 0 days 2,062 sqft
    2023-07-01 0 days 2,044 sqft
    2023-08-01 0 days 2,045 sqft
    2023-09-01 0 days 2,015 sqft
    2023-10-01 0 days 2,043 sqft
    2023-11-01 0 days 2,097 sqft
    2023-12-01 0 days 2,006 sqft
    2024-01-01 0 days 2,008 sqft
    2024-02-01 0 days 1,932 sqft
    2024-03-01 0 days 1,930 sqft
    2024-04-01 0 days 1,930 sqft
    2024-05-01 0 days 1,927 sqft
    2024-06-01 0 days 1,917 sqft
    2024-07-01 0 days 1,924 sqft
    2024-08-01 0 days 1,970 sqft
    2024-09-01 0 days 2,023 sqft
    2024-10-01 0 days 1,980 sqft
    2024-11-01 0 days 1,897 sqft
    2024-12-01 0 days 1,844 sqft
    2025-01-01 0 days 1,847 sqft
    2025-02-01 0 days 1,858 sqft
    2025-03-01 0 days 1,959 sqft
    Brunswick's median listing age (time on market) for 2025-03-01 was 0 days.

    Brunswick's median square footage for active listings during the 2025-03-01 period was 1,959 sqft. One year prior, the average listing was 1,930 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).