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 -0.16% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-13) was 6.43% and one month ago for the week of 2025-05-16, the average rate was 6.69%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.71%.

    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

    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).