Hinesville FHA Loan Rates, Closing Costs & Stats

HINESVILLE, 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.

    Hinesville's 73 lenders originated 349 FHA loans during 2024. The total origination value was $86,185,000, with an average FHA loan value of $246,948.

    Hinesville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Hinesville averaged 6.2% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Hinesville's average FHA mortgage closing costs are $8,170.

    The average rate for the prior week (2025-03-28) was 6.2% and one month ago for the week of 2025-02-28, the average rate was 6.28%.

    The average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.75%.

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

    Hinesville 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 Hinesville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 42 6.40% $12,221
    BROKER SOLUTIONS, INC. 32 6.64% $10,193
    VANDERBILT MORTGAGE AND FINANCE, INC. 29 6.03% $12,831
    GUILD MORTGAGE COMPANY 24 6.45% $11,556
    QUICKEN LOANS, LLC 22 6.27% $10,063
    PLANET HOME LENDING, LLC 12 6.86% $13,063
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.71% $11,734
    FREEDOM MORTGAGE CORPORATION 8 6.58% $10,332
    MOVEMENT MORTGAGE, LLC 8 6.81% $13,291
    Ameris Bank 7 6.04% $10,853
    Mortgage Research Center, LLC 7 6.77% $6,810
    Equity Prime Mortgage LLC 6 6.65% $9,901
    DHI MORTGAGE COMPANY, LTD. 6 6.27% $7,207
    PENNYMAC LOAN SERVICES, LLC 6 5.85% $8,365
    Prosperity Home Mortgage, LLC 5 6.27% $10,506
    BANKSOUTH MORTGAGE COMPANY, LLC 5 6.13% $12,248
    CANOPY MORTGAGE, LLC 4 7.00% $14,242
    Loan Simple, Inc. 4 6.84% $11,509
    Flagstar Bank, FSB 4 6.31% $10,909
    CARDINAL FINANCIAL 3 6.75% $9,707
    Colony Bank 3 6.38% $9,557
    AMERICAN FINANCIAL NETWORK, INC. 3 6.58% $13,306
    AMERICAN FINANCING CORPORATION 3 6.29% $12,961
    HOMESIDE FINANCIAL, LLC 3 7.13% $10,091
    Mr. Cooper ( Nationstar Mortgage ) 3 6.58% $11,457
    Plains Commerce Bank 3 8.00% $12,586
    CROSSCOUNTRY MORTGAGE, LLC 3 7.33% $9,596
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 6.94% $8,673
    AMERISAVE MORTGAGE CORPORATION 2 6.50% $12,945
    Barrington Bank & Trust Company, N.A. 2 6.25% $12,811
    CMG MORTGAGE, INC. 2 6.31% $12,123
    LIBERTY HOME MORTGAGE CORPORATION 2 7.44% $9,341
    LOANDEPOT.COM, LLC 2 6.87% $12,369
    Nations Lending Corporation 2 7.25% $11,648
    OCMBC, INC. 2 6.69% $12,815
    Paramount Residential Mortgage Group, Inc. 2 7.19% $14,460
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 6.44% $11,217
    SUMMIT FUNDING, INC. 2 6.94% $12,314
    SUN WEST MORTGAGE COMPANY, INC. 2 7.19% $13,574
    TOWNE MORTGAGE COMPANY 2 6.75% $8,374
    FIRST COMMUNITY MORTGAGE, INC. 1 7.13% $7,791
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $12,439
    FIRST CHOICE MORTGAGE, INC. 1 6.63% $7,660
    EMM LOANS LLC 1 5.38% $12,269
    NATION ONE MORTGAGE CORPORATION 1 5.75% $7,572
    NATIONS DIRECT MORTGAGE, LLC 1 7.75% $7,962
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.75% $7,314
    NFM, INC. 1 5.75% $16,109
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $9,255
    US MORTGAGE CORPORATION 1 6.63% $17,252
    THE MORTGAGE FIRM, INC. 1 6.50% $17,593
    DAS Acquisition Company, LLC 1 7.75% $10,791
    Cornerstone First Mortgage, Inc 1 5.13% $24,575
    Century Mortgage Company DBA Century Lending Company 1 6.63% $7,438
    PREMIA MORTGAGE, LLC 1 7.00% $3,122
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $9,799
    Presidential Bank, FSB 1 5.75% $20,138
    Carrington Mortgage Services, LLC 1 6.13% $10,251
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 5.88% $11,031
    Renasant Bank 1 6.13% $12,137
    Residential Acceptance Corporation 1 7.00% $15,949
    ROYAL UNITED MORTGAGE LLC 1 6.75% $6,543
    Alcova Mortgage LLC 1 6.75% $7,239
    ABSOLUTE HOME MORTGAGE CORPORATION 1 5.63% $13,730
    Home Mortgage Alliance Corp 1 7.13% $5,632
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.25% $13,446
    HOME SOLUTION LENDERS INC. 1 6.75% $9,183
    LAKEVIEW LOAN SERVICING, LLC 1 6.75% $8,300
    SOUTHWEST STAGE FUNDING, LLC 1 6.38% $10,977
    STOCKTON MORTGAGE CORPORATION 1 6.50% $11,507
    Goldwater Bank, N.A. 1 6.75% $11,025
    MICHIGAN MUTUAL, INC. 1 6.25% $11,046
    MORTGAGEONE, INC. 1 5.63% $16,595

    The top Hinesville FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 42 FHA loans originated. Their average total fees are $12,221, which is $2,028 higher than the next largest lender, BROKER SOLUTIONS, INC..

    The lowest fee Hinesville FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($10,063), BROKER SOLUTIONS, INC. ($10,193), GUILD MORTGAGE COMPANY ($11,556), UNITED WHOLESALE MORTGAGE, LLC ($12,221) and VANDERBILT MORTGAGE AND FINANCE, INC. ($12,831).

    The lowest rate Hinesville FHA lenders (with over 10 loans originated) are VANDERBILT MORTGAGE AND FINANCE, INC. (6.03%), QUICKEN LOANS, LLC (6.27%), UNITED WHOLESALE MORTGAGE, LLC (6.40%), GUILD MORTGAGE COMPANY (6.45%) and BROKER SOLUTIONS, INC. (6.64%).

    Hinesville FHA Loan Limits

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hinesville (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 $162,500 (8.4%) $181,264 (13.2%) 0.00 419
    2018-02-01 $160,000 (5.9%) $174,249 (6.0%) 0.00 433
    2018-03-01 $164,900 (7.3%) $174,040 (4.6%) 0.00 478
    2018-04-01 $164,900 (6.5%) $174,739 (5.5%) 0.00 481
    2018-05-01 $162,400 (3.9%) $174,558 (4.4%) 0.00 482
    2018-06-01 $164,500 (5.8%) $178,160 (5.5%) 0.00 468
    2018-07-01 $169,900 (6.2%) $197,012 (13.7%) 0.00 506
    2018-08-01 $169,275 (4.2%) $197,850 (12.4%) 0.00 489
    2018-09-01 $170,000 (6.3%) $199,431 (10.8%) 0.00 490
    2018-10-01 $172,000 (8.4%) $201,864 (13.6%) 0.00 500
    2018-11-01 $174,425 (7.7%) $204,500 (13.2%) 0.00 481
    2018-12-01 $167,775 (2.3%) $200,260 (9.8%) 0.00 491
    2019-01-01 $168,673 (3.8%) $200,367 (10.5%) 0.00 488
    2019-02-01 $165,998 (3.8%) $198,046 (13.7%) 0.00 499
    2019-03-01 $166,811 (1.2%) $196,720 (13.0%) 0.00 494
    2019-04-01 $165,189 (0.2%) $195,033 (11.6%) 0.00 487
    2019-05-01 $165,700 (2.0%) $196,022 (12.3%) 0.00 487
    2019-06-01 $163,450 (-0.6%) $193,785 (8.8%) 0.00 482
    2019-07-01 $159,945 (-5.9%) $190,992 (-3.1%) 0.00 478
    2019-08-01 $160,282 (-5.3%) $191,034 (-3.5%) 0.00 463
    2019-09-01 $160,855 (-5.4%) $193,567 (-2.9%) 0.00 451
    2019-10-01 $163,100 (-5.2%) $195,430 (-3.2%) 0.00 444
    2019-11-01 $170,925 (-2.0%) $204,397 (-0.1%) 0.00 452
    2019-12-01 $173,825 (3.6%) $204,796 (2.3%) 0.00 455
    2020-01-01 $177,381 (5.2%) $208,115 (3.9%) 0.00 426
    2020-02-01 $181,325 (9.2%) $215,837 (9.0%) 0.00 418
    2020-03-01 $179,933 (7.9%) $218,075 (10.9%) 0.00 417
    2020-04-01 $183,475 (11.1%) $219,891 (12.8%) 0.00 397
    2020-05-01 $185,813 (12.1%) $222,132 (13.3%) 0.00 361
    2020-06-01 $184,728 (13.0%) $223,317 (15.2%) 0.00 320
    2020-07-01 $188,875 (18.1%) $210,002 (10.0%) 0.00 320
    2020-08-01 $189,900 (18.5%) $210,270 (10.1%) 0.00 290
    2020-09-01 $189,950 (18.1%) $212,323 (9.7%) 0.00 269
    2020-10-01 $193,990 (18.9%) $212,363 (8.7%) 0.00 246
    2020-11-01 $195,348 (14.3%) $210,465 (3.0%) 0.00 252
    2020-12-01 $198,350 (14.1%) $211,618 (3.3%) 0.00 251
    2021-01-01 $199,691 (12.6%) $213,276 (2.5%) 0.00 250
    2021-02-01 $210,448 (16.1%) $223,265 (3.4%) 0.00 237
    2021-03-01 $207,400 (15.3%) $234,052 (7.3%) 0.00 176
    2021-04-01 $234,700 (27.9%) $268,794 (22.2%) 0.00 147
    2021-05-01 $239,500 (28.9%) $269,099 (21.1%) 0.00 141
    2021-06-01 $239,694 (29.8%) $268,092 (20.1%) 0.00 140
    2021-07-01 $240,050 (27.1%) $269,767 (28.5%) 0.00 138
    2021-08-01 $249,972 (31.6%) $268,338 (27.6%) 0.00 141
    2021-09-01 $248,236 (30.7%) $281,722 (32.7%) 0.00 140
    2021-10-01 $250,000 (28.9%) $281,962 (32.8%) 0.00 169
    2021-11-01 $254,190 (30.1%) $289,125 (37.4%) 0.00 140
    2021-12-01 $285,837 (44.1%) $309,034 (46.0%) 0.00 149
    2022-01-01 $275,837 (38.1%) $296,249 (38.9%) 0.00 112
    2022-02-01 $274,057 (30.2%) $301,774 (35.2%) 0.00 84
    2022-03-01 $281,788 (35.9%) $298,385 (27.5%) 0.00 104
    2022-04-01 $267,940 (14.2%) $295,255 (9.8%) 0.00 113
    2022-05-01 $275,749 (15.1%) $291,287 (8.3%) 0.00 179
    2022-06-01 $275,448 (14.9%) $295,823 (10.3%) 0.00 214
    2022-07-01 $275,995 (15.0%) $299,840 (11.2%) 0.00 223
    2022-08-01 $269,971 (8.0%) $290,153 (8.1%) 0.00 246
    2022-09-01 $271,874 (9.5%) $291,514 (3.5%) 0.00 234
    2022-10-01 $268,100 (7.2%) $286,921 (1.8%) 0.00 247
    2022-11-01 $268,431 (5.6%) $292,389 (1.1%) 0.00 260
    2022-12-01 $268,300 (-6.1%) $289,853 (-6.2%) 0.00 267
    2023-01-01 $268,838 (-2.5%) $290,867 (-1.8%) 0.00 254
    2023-02-01 $271,125 (-1.1%) $296,468 (-1.8%) 0.00 254
    2023-03-01 $270,125 (-4.1%) $296,852 (-0.5%) 0.00 250
    2023-04-01 $274,835 (2.6%) $299,964 (1.6%) 0.00 229
    2023-05-01 $277,350 (0.6%) $305,715 (5.0%) 0.00 228
    2023-06-01 $279,888 (1.6%) $306,247 (3.5%) 0.00 229
    2023-07-01 $282,900 (2.5%) $314,750 (5.0%) 0.00 240
    2023-08-01 $279,813 (3.7%) $302,517 (4.3%) 0.00 260
    2023-09-01 $283,525 (4.3%) $305,964 (5.0%) 0.00 325
    2023-10-01 $285,180 (6.4%) $309,721 (8.0%) 0.00 360
    2023-11-01 $284,975 (6.2%) $311,332 (6.5%) 0.00 379
    2023-12-01 $283,663 (5.7%) $315,886 (9.0%) 0.00 369
    2024-01-01 $279,999 (4.2%) $315,941 (8.6%) 0.00 357
    2024-02-01 $277,500 (2.4%) $309,770 (4.5%) 0.00 370
    2024-03-01 $282,000 (4.4%) $311,839 (5.1%) 0.00 339
    2024-04-01 $283,931 (3.3%) $317,454 (5.8%) 0.00 320
    2024-05-01 $285,650 (3.0%) $329,074 (7.6%) 0.00 285
    2024-06-01 $283,400 (1.3%) $325,981 (6.4%) 0.00 281
    2024-07-01 $289,919 (2.5%) $323,272 (2.7%) 0.00 284
    2024-08-01 $288,500 (3.1%) $313,304 (3.6%) 0.00 316
    2024-09-01 $296,663 (4.6%) $322,374 (5.4%) 0.00 331
    2024-10-01 $299,144 (4.9%) $322,220 (4.0%) 0.00 333
    2024-11-01 $300,825 (5.6%) $329,647 (5.9%) 0.00 335
    2024-12-01 $301,250 (6.2%) $324,337 (2.7%) 0.00 321
    2025-01-01 $302,344 (8.0%) $323,318 (2.3%) 0.00 315
    2025-02-01 $294,900 (6.3%) $313,314 (1.1%) 0.00 359
    2025-03-01 $294,425 (4.4%) $311,860 (0.0%) 0.00 456
    Hinesville's median listing price for 2025-03-01 was $294,425, a difference of $12,425 (4.4%) versus the prior year and $-475 versus the prior month.

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

    Hinesville's average listing price for 2025-03-01 was $311,860, a difference of $21 (0.0%) versus the prior year and $-1,454 versus the prior month.

    For the 2025-03-01 period, Hinesville had 456 MLS listings, a difference of 97 listings (27%) versus the prior month and 117 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hinesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,761 sqft
    2018-02-01 0 days 1,729 sqft
    2018-03-01 0 days 1,768 sqft
    2018-04-01 0 days 1,755 sqft
    2018-05-01 0 days 1,713 sqft
    2018-06-01 0 days 1,749 sqft
    2018-07-01 0 days 1,797 sqft
    2018-08-01 0 days 1,801 sqft
    2018-09-01 0 days 1,848 sqft
    2018-10-01 0 days 1,872 sqft
    2018-11-01 0 days 1,900 sqft
    2018-12-01 0 days 1,862 sqft
    2019-01-01 0 days 1,852 sqft
    2019-02-01 0 days 1,807 sqft
    2019-03-01 0 days 1,810 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,801 sqft
    2019-06-01 0 days 1,792 sqft
    2019-07-01 0 days 1,681 sqft
    2019-08-01 0 days 1,704 sqft
    2019-09-01 0 days 1,748 sqft
    2019-10-01 0 days 1,779 sqft
    2019-11-01 0 days 1,799 sqft
    2019-12-01 0 days 1,801 sqft
    2020-01-01 0 days 1,799 sqft
    2020-02-01 0 days 1,855 sqft
    2020-03-01 0 days 1,827 sqft
    2020-04-01 0 days 1,819 sqft
    2020-05-01 0 days 1,894 sqft
    2020-06-01 0 days 1,803 sqft
    2020-07-01 0 days 1,860 sqft
    2020-08-01 0 days 1,831 sqft
    2020-09-01 0 days 1,874 sqft
    2020-10-01 0 days 1,902 sqft
    2020-11-01 0 days 1,874 sqft
    2020-12-01 0 days 1,881 sqft
    2021-01-01 0 days 1,863 sqft
    2021-02-01 0 days 1,892 sqft
    2021-03-01 0 days 1,831 sqft
    2021-04-01 0 days 2,042 sqft
    2021-05-01 0 days 2,039 sqft
    2021-06-01 0 days 2,053 sqft
    2021-07-01 0 days 2,002 sqft
    2021-08-01 0 days 1,997 sqft
    2021-09-01 0 days 1,958 sqft
    2021-10-01 0 days 2,002 sqft
    2021-11-01 0 days 1,981 sqft
    2021-12-01 0 days 2,155 sqft
    2022-01-01 0 days 2,133 sqft
    2022-02-01 0 days 2,125 sqft
    2022-03-01 0 days 1,987 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,919 sqft
    2022-06-01 0 days 1,977 sqft
    2022-07-01 0 days 1,975 sqft
    2022-08-01 0 days 1,899 sqft
    2022-09-01 0 days 1,894 sqft
    2022-10-01 0 days 1,862 sqft
    2022-11-01 0 days 1,925 sqft
    2022-12-01 0 days 1,888 sqft
    2023-01-01 0 days 1,864 sqft
    2023-02-01 0 days 1,893 sqft
    2023-03-01 0 days 1,875 sqft
    2023-04-01 0 days 1,960 sqft
    2023-05-01 0 days 1,929 sqft
    2023-06-01 0 days 1,925 sqft
    2023-07-01 0 days 1,937 sqft
    2023-08-01 0 days 1,929 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,925 sqft
    2023-11-01 0 days 1,923 sqft
    2023-12-01 0 days 1,925 sqft
    2024-01-01 0 days 1,882 sqft
    2024-02-01 0 days 1,835 sqft
    2024-03-01 0 days 1,920 sqft
    2024-04-01 0 days 1,907 sqft
    2024-05-01 0 days 1,923 sqft
    2024-06-01 0 days 1,823 sqft
    2024-07-01 0 days 1,914 sqft
    2024-08-01 0 days 1,890 sqft
    2024-09-01 0 days 1,926 sqft
    2024-10-01 0 days 1,951 sqft
    2024-11-01 0 days 1,977 sqft
    2024-12-01 0 days 1,960 sqft
    2025-01-01 0 days 1,944 sqft
    2025-02-01 0 days 1,843 sqft
    2025-03-01 0 days 1,814 sqft
    Hinesville's median listing age (time on market) for 2025-03-01 was 0 days.

    Hinesville's median square footage for active listings during the 2025-03-01 period was 1,814 sqft. One year prior, the average listing was 1,920 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).