Dublin FHA Loan Rates, Closing Costs & Stats

Dublin, 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.

    Dublin's 48 lenders originated 141 FHA loans during 2024. The total origination value was $28,325,000, with an average FHA loan value of $200,887.

    Dublin FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Dublin averaged 0.12% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Dublin's average FHA mortgage closing costs are $7,701.

    The average rate for the prior week (2025-06-13) was 6.9% and one month ago for the week of 2025-05-16, the average rate was 6.76%.

    The average rate one year ago was 7.11%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.19%.

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

    Dublin 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 Dublin level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 26 6.52% $9,491
    PLANET HOME LENDING, LLC 14 6.96% $15,336
    GUILD MORTGAGE COMPANY 8 6.72% $8,927
    Ameris Bank 5 6.18% $10,173
    BROKER SOLUTIONS, INC. 4 6.75% $10,015
    Carrington Mortgage Services, LLC 3 6.79% $12,674
    AmeriHome Mortgage Company, LLC 3 6.58% $7,150
    PENNYMAC LOAN SERVICES, LLC 3 6.00% $14,466
    Alcova Mortgage LLC 3 6.75% $4,728
    STOCKTON MORTGAGE CORPORATION 3 6.92% $6,679
    FIRST COLONY MORTGAGE CORPORATION 3 6.29% $8,099
    UNITED WHOLESALE MORTGAGE, LLC 3 5.71% $12,829
    Renasant Bank 2 5.75% $10,313
    CROSSCOUNTRY MORTGAGE, LLC 2 6.66% $8,476
    LOANPAL, LLC 2 5.25% $9,307
    LOANDEPOT.COM, LLC 2 6.81% $6,162
    Flagstar Bank, FSB 2 6.21% $7,953
    NORWICH COMMERCIAL GROUP, INC. 2 6.25% $5,384
    NEWREZ LLC 2 6.63% $15,632
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.63% $8,652
    FREEDOM MORTGAGE CORPORATION 2 7.19% $5,988
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.75% $3,765
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.75% $23,816
    SUN WEST MORTGAGE COMPANY, INC. 1 6.50% $12,598
    TOWNE MORTGAGE COMPANY 1 6.25% $12,780
    UNION HOME MORTGAGE CORP. 1 6.63% $5,375
    1ST SIGNATURE LENDING, LLC 1 6.25% $10,073
    ZILLOW HOME LOANS, LLC 1 7.25% $6,016
    ACOPIA, LLC 1 7.88% $12,874
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $8,319
    AMERICAN FINANCING CORPORATION 1 5.75% $17,599
    AMERISAVE MORTGAGE CORPORATION 1 7.75% $6,229
    CARDINAL FINANCIAL 1 5.99% $5,778
    Equity Prime Mortgage LLC 1 7.75% $15,136
    FBC MORTGAGE, LLC 1 6.25% $16,370
    First Heritage Mortgage, LLC 1 6.25% $6,898
    GARDNER FINANCIAL SERVICES, LTD. 1 6.63% $17,378
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.25% $8,855
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.63% $9,475
    HOMESIDE FINANCIAL, LLC 1 7.13% $8,700
    INSPIRE HOME LOANS INC. 1 4.88% $7,430
    LAKEVIEW LOAN SERVICING, LLC 1 6.13% $10,773
    Loan Simple, Inc. 1 6.75% $17,286
    Magnolia Bank 1 6.75% $7,789
    MILEND, INC. 1 6.75% $12,188
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $4,193
    PLAZA HOME MORTGAGE, INC. 1 8.25% $5,029
    Queensborough National Bank & Trust Company 1 6.63% $6,516

    The top Dublin FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 26 FHA loans originated. Their average total fees are $9,491, which is $5,845 lower than the next largest lender, PLANET HOME LENDING, LLC.

    The lowest fee Dublin FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($9,491), PLANET HOME LENDING, LLC ($15,336), .

    The lowest rate Dublin FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.52%), PLANET HOME LENDING, LLC (6.96%), .

    Dublin FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    DUBLIN, GA JOHNSON 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA LAURENS 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA TREUTLEN 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA JOHNSON 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA LAURENS 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA TREUTLEN 2023 $472,030 $604,400 $730,525 $907,900

    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).