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 46 lenders originated 132 FHA loans during 2023. The total origination value was $23,200,000, with an average FHA loan value of $175,758.

    Dublin FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Dublin averaged 6.66% for the week of 2024-04-19, compared to the national average (all FHA variants) of 6.855% for the same period.

    Dublin's average FHA mortgage closing costs are $7,293.

    The average rate for the prior week (2024-04-12) was 6.95% and one month ago for the week of 2024-03-15, the average rate was 6.72%.

    The average rate one year ago was 6.34%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.96%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 22 6.21% $9,925
    PLANET HOME LENDING, LLC 8 7.00% $13,422
    CROSSCOUNTRY MORTGAGE, LLC 7 6.86% $9,693
    Colony Bank 5 6.40% $6,601
    Renasant Bank 4 7.15% $6,309
    CRESCENT MORTGAGE COMPANY 4 6.78% $9,879
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 4 6.09% $8,258
    Platinum Home Mortgage Corporation 4 6.75% $11,724
    Ameris Bank 4 6.47% $10,386
    NEWREZ LLC 3 6.58% $10,047
    LOANDEPOT.COM, LLC 3 6.58% $9,328
    FREEDOM MORTGAGE CORPORATION 3 6.17% $8,593
    Flagstar Bank, FSB 3 6.55% $5,742
    ACADEMY MORTGAGE CORPORATION 2 7.31% $6,134
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.38% $6,708
    CARDINAL FINANCIAL 2 6.25% $9,470
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.19% $11,262
    FIRST COLONY MORTGAGE CORPORATION 2 7.38% $5,213
    GUILD MORTGAGE COMPANY 2 6.31% $6,301
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.69% $11,048
    PENNYMAC LOAN SERVICES, LLC 2 6.19% $10,265
    Plains Commerce Bank 2 6.94% $8,953
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 7.31% $9,588
    MORTGAGE INVESTORS GROUP, INC. 1 6.13% $6,621
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $12,401
    THRIVE MORTGAGE, LLC 1 6.75% $7,544
    BROKER SOLUTIONS, INC. 1 5.75% $9,670
    NFM, INC. 1 6.63% $6,682
    Northpointe Bank 1 6.25% $6,918
    OCMBC, INC. 1 7.25% $9,575
    Paramount Residential Mortgage Group, Inc. 1 6.75% $9,555
    TOWNE MORTGAGE COMPANY 1 6.63% $7,870
    PENTAGON FEDERAL CREDIT UNION 1 4.63% $9,461
    UNION HOME MORTGAGE CORP. 1 6.25% $7,217
    Bank of England 1 7.63% $3,913
    AMERISAVE MORTGAGE CORPORATION 1 5.25% $11,671
    Prosperity Home Mortgage, LLC 1 6.25% $10,562
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $9,118
    Alcova Mortgage LLC 1 7.25% $6,262
    ROYAL UNITED MORTGAGE LLC 1 6.75% $5,542
    UNITED WHOLESALE MORTGAGE, LLC 1 7.05% $9,499
    GUARANTEED RATE, INC. 1 7.25% $11,179
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.99% $2,698
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.75% $11,161
    ISERVE RESIDENTIAL LENDING, LLC 1 7.75% $17,300
    Carrington Mortgage Services, LLC 1 7.13% $9,703

    The top Dublin FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 22 FHA loans originated. Their average total fees are $9,925, which is $3,496 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 ($9,925), .

    The lowest rate Dublin FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.21%), .

    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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dublin (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 $112,500 (5.2%) $146,517 (3.9%) 0.00 220
    2018-02-01 $109,950 (0.0%) $145,721 (2.4%) 0.00 223
    2018-03-01 $124,900 (13.6%) $151,875 (7.7%) 0.00 213
    2018-04-01 $128,638 (24.4%) $150,182 (8.0%) 0.00 232
    2018-05-01 $124,225 (15.6%) $147,809 (1.9%) 0.00 250
    2018-06-01 $119,900 (11.6%) $144,547 (-3.7%) 0.00 245
    2018-07-01 $125,000 (25.1%) $149,962 (-0.3%) 0.00 262
    2018-08-01 $122,450 (23.7%) $151,809 (5.1%) 0.00 249
    2018-09-01 $119,900 (20.5%) $151,928 (5.5%) 0.00 254
    2018-10-01 $122,450 (6.9%) $151,699 (2.6%) 0.00 254
    2018-11-01 $129,675 (13.0%) $152,834 (2.3%) 0.00 248
    2018-12-01 $129,950 (18.2%) $153,720 (4.6%) 0.00 254
    2019-01-01 $124,675 (10.8%) $144,744 (-1.2%) 0.00 242
    2019-02-01 $124,900 (13.6%) $148,305 (1.8%) 0.00 252
    2019-03-01 $127,043 (1.7%) $152,231 (0.2%) 0.00 241
    2019-04-01 $129,900 (1.0%) $157,009 (4.6%) 0.00 229
    2019-05-01 $129,050 (3.9%) $153,922 (4.1%) 0.00 224
    2019-06-01 $129,900 (8.3%) $150,894 (4.4%) 0.00 229
    2019-07-01 $127,400 (1.9%) $147,866 (-1.4%) 0.00 214
    2019-08-01 $123,291 (0.7%) $146,916 (-3.2%) 0.00 214
    2019-09-01 $118,627 (-1.1%) $146,193 (-3.8%) 0.00 223
    2019-10-01 $115,000 (-6.1%) $145,710 (-4.0%) 0.00 226
    2019-11-01 $110,000 (-15.2%) $143,860 (-5.9%) 0.00 202
    2019-12-01 $110,000 (-15.4%) $147,068 (-4.3%) 0.00 194
    2020-01-01 $113,075 (-9.3%) $148,565 (2.6%) 0.00 188
    2020-02-01 $112,450 (-10.0%) $143,351 (-3.3%) 0.00 178
    2020-03-01 $149,450 (17.6%) $178,880 (17.5%) 0.00 140
    2020-04-01 $162,225 (24.9%) $187,984 (19.7%) 0.00 136
    2020-05-01 $174,900 (35.5%) $193,325 (25.6%) 0.00 120
    2020-06-01 $182,500 (40.5%) $201,908 (33.8%) 0.00 113
    2020-07-01 $186,000 (46.0%) $202,664 (37.1%) 0.00 119
    2020-08-01 $158,700 (28.7%) $179,427 (22.1%) 0.00 107
    2020-09-01 $178,600 (50.6%) $198,697 (35.9%) 0.00 108
    2020-10-01 $179,700 (56.3%) $205,928 (41.3%) 0.00 97
    2020-11-01 $170,175 (54.7%) $199,662 (38.8%) 0.00 100
    2020-12-01 $158,950 (44.5%) $188,911 (28.5%) 0.00 99
    2021-01-01 $177,450 (56.9%) $195,007 (31.3%) 0.00 93
    2021-02-01 $166,475 (48.0%) $189,428 (32.1%) 0.00 77
    2021-03-01 $139,925 (-6.4%) $175,921 (-1.7%) 0.00 86
    2021-04-01 $152,400 (-6.1%) $182,783 (-2.8%) 0.00 73
    2021-05-01 $134,800 (-22.9%) $174,261 (-9.9%) 0.00 68
    2021-06-01 $140,425 (-23.1%) $169,018 (-16.3%) 0.00 67
    2021-07-01 $140,000 (-24.7%) $155,409 (-23.3%) 0.00 69
    2021-08-01 $164,975 (4.0%) $176,781 (-1.5%) 0.00 63
    2021-09-01 $161,450 (-9.6%) $199,317 (0.3%) 0.00 77
    2021-10-01 $185,000 (3.0%) $210,390 (2.2%) 0.00 89
    2021-11-01 $224,300 (31.8%) $232,573 (16.5%) 0.00 79
    2021-12-01 $207,450 (30.5%) $216,241 (14.5%) 0.00 73
    2022-01-01 $210,000 (18.3%) $211,982 (8.7%) 0.00 75
    2022-02-01 $211,300 (26.9%) $226,233 (19.4%) 0.00 66
    2022-03-01 $217,100 (55.2%) $232,145 (32.0%) 0.00 62
    2022-04-01 $184,950 (21.4%) $215,321 (17.8%) 0.00 64
    2022-05-01 $194,000 (43.9%) $217,534 (24.8%) 0.00 66
    2022-06-01 $229,900 (63.7%) $253,193 (49.8%) 0.00 68
    2022-07-01 $236,250 (68.8%) $260,155 (67.4%) 0.00 89
    2022-08-01 $207,000 (25.5%) $269,078 (52.2%) 0.00 83
    2022-09-01 $208,675 (29.3%) $271,332 (36.1%) 0.00 88
    2022-10-01 $219,950 (18.9%) $271,682 (29.1%) 0.00 104
    2022-11-01 $242,642 (8.2%) $271,196 (16.6%) 0.00 125
    2022-12-01 $249,000 (20.0%) $274,103 (26.8%) 0.00 110
    2023-01-01 $249,900 (19.0%) $289,051 (36.4%) 0.00 100
    2023-02-01 $259,700 (22.9%) $288,328 (27.5%) 0.00 98
    2023-03-01 $292,000 (34.5%) $301,119 (29.7%) 0.00 97
    2023-04-01 $289,950 (56.8%) $315,767 (46.7%) 0.00 91
    2023-05-01 $299,850 (54.6%) $315,309 (45.0%) 0.00 82
    2023-06-01 $299,850 (30.4%) $321,166 (26.9%) 0.00 83
    2023-07-01 $294,950 (24.9%) $325,630 (25.2%) 0.00 95
    2023-08-01 $256,175 (23.8%) $326,780 (21.4%) 0.00 100
    2023-09-01 $254,900 (22.2%) $317,895 (17.2%) 0.00 105
    2023-10-01 $263,900 (20.0%) $329,137 (21.2%) 0.00 105
    2023-11-01 $253,675 (4.6%) $308,579 (13.8%) 0.00 95
    2023-12-01 $266,900 (7.2%) $319,741 (16.7%) 0.00 101
    2024-01-01 $284,950 (14.0%) $333,474 (15.4%) 0.00 100
    2024-02-01 $268,838 (3.5%) $287,526 (-0.3%) 0.00 109
    2024-03-01 $279,000 (-4.5%) $287,438 (-4.5%) 0.00 112
    Dublin's median listing price for 2024-03-01 was $279,000, a difference of $-13,000 (-4.5%) versus the prior year and $10,162 versus the prior month.

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

    Dublin's average listing price for 2024-03-01 was $287,438, a difference of $-13,681 (-4.5%) versus the prior year and $-88 versus the prior month.

    For the 2024-03-01 period, Dublin had 112 MLS listings, a difference of 3 listings (3%) versus the prior month and 15 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dublin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,730 sqft
    2018-02-01 0 days 1,762 sqft
    2018-03-01 0 days 1,781 sqft
    2018-04-01 0 days 1,695 sqft
    2018-05-01 0 days 1,664 sqft
    2018-06-01 0 days 1,685 sqft
    2018-07-01 0 days 1,729 sqft
    2018-08-01 0 days 1,735 sqft
    2018-09-01 0 days 1,730 sqft
    2018-10-01 0 days 1,750 sqft
    2018-11-01 0 days 1,783 sqft
    2018-12-01 0 days 1,806 sqft
    2019-01-01 0 days 1,747 sqft
    2019-02-01 0 days 1,729 sqft
    2019-03-01 0 days 1,714 sqft
    2019-04-01 0 days 1,711 sqft
    2019-05-01 0 days 1,701 sqft
    2019-06-01 0 days 1,708 sqft
    2019-07-01 0 days 1,719 sqft
    2019-08-01 0 days 1,754 sqft
    2019-09-01 0 days 1,745 sqft
    2019-10-01 0 days 1,707 sqft
    2019-11-01 0 days 1,664 sqft
    2019-12-01 0 days 1,658 sqft
    2020-01-01 0 days 1,674 sqft
    2020-02-01 0 days 1,692 sqft
    2020-03-01 0 days 1,965 sqft
    2020-04-01 0 days 2,008 sqft
    2020-05-01 0 days 2,032 sqft
    2020-06-01 0 days 2,111 sqft
    2020-07-01 0 days 2,153 sqft
    2020-08-01 0 days 1,874 sqft
    2020-09-01 0 days 2,077 sqft
    2020-10-01 0 days 2,155 sqft
    2020-11-01 0 days 2,043 sqft
    2020-12-01 0 days 2,014 sqft
    2021-01-01 0 days 2,002 sqft
    2021-02-01 0 days 1,774 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,732 sqft
    2021-05-01 0 days 1,676 sqft
    2021-06-01 0 days 1,704 sqft
    2021-07-01 0 days 1,720 sqft
    2021-08-01 0 days 1,714 sqft
    2021-09-01 0 days 1,709 sqft
    2021-10-01 0 days 1,733 sqft
    2021-11-01 0 days 1,974 sqft
    2021-12-01 0 days 1,817 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,827 sqft
    2022-03-01 0 days 1,842 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,886 sqft
    2022-06-01 0 days 1,944 sqft
    2022-07-01 0 days 1,995 sqft
    2022-08-01 0 days 1,954 sqft
    2022-09-01 0 days 1,955 sqft
    2022-10-01 0 days 1,942 sqft
    2022-11-01 0 days 1,947 sqft
    2022-12-01 0 days 1,944 sqft
    2023-01-01 0 days 1,937 sqft
    2023-02-01 0 days 1,895 sqft
    2023-03-01 0 days 2,007 sqft
    2023-04-01 0 days 1,999 sqft
    2023-05-01 0 days 2,085 sqft
    2023-06-01 0 days 2,096 sqft
    2023-07-01 0 days 2,055 sqft
    2023-08-01 0 days 1,894 sqft
    2023-09-01 0 days 1,940 sqft
    2023-10-01 0 days 2,045 sqft
    2023-11-01 0 days 1,924 sqft
    2023-12-01 0 days 1,933 sqft
    2024-01-01 0 days 2,103 sqft
    2024-02-01 0 days 2,015 sqft
    2024-03-01 0 days 2,038 sqft
    Dublin's median listing age (time on market) for 2024-03-01 was 0 days.

    Dublin's median square footage for active listings during the 2024-03-01 period was 2,038 sqft. One year prior, the average listing was 2,007 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).