Warner Robins FHA Loan Rates, Closing Costs & Stats

WARNER ROBINS, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Loan Limits
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Warner Robins's 118 lenders originated 957 FHA loans during 2024. The total origination value was $233,905,000, with an average FHA loan value of $244,415.

    Warner Robins FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Warner Robins averaged 6.49% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Warner Robins's average FHA mortgage closing costs are $7,716.

    The average rate for the prior week (2025-03-28) was 6.49% and one month ago for the week of 2025-02-28, the average rate was 6.37%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.06%.

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

    Warner Robins 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 Warner Robins level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 119 6.56% $11,016
    QUICKEN LOANS, LLC 87 6.33% $10,161
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 66 6.32% $10,239
    UNITED WHOLESALE MORTGAGE, LLC 56 6.01% $12,782
    BROKER SOLUTIONS, INC. 40 6.62% $9,802
    Colony Bank 30 6.37% $9,060
    DHI MORTGAGE COMPANY, LTD. 28 5.68% $7,235
    CROSSCOUNTRY MORTGAGE, LLC 25 6.36% $10,707
    CANOPY MORTGAGE, LLC 21 6.42% $15,339
    INSPIRE HOME LOANS INC. 21 5.82% $8,500
    PENNYMAC LOAN SERVICES, LLC 20 6.18% $8,615
    FREEDOM MORTGAGE CORPORATION 18 6.46% $10,640
    LOANDEPOT.COM, LLC 17 6.29% $10,173
    FBC MORTGAGE, LLC 17 5.34% $9,115
    GUARANTEED RATE, INC. 15 6.54% $11,774
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.59% $10,084
    Alcova Mortgage LLC 12 6.25% $8,996
    PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.31% $12,269
    Synovus Bank 11 6.19% $10,939
    FIRST COMMUNITY MORTGAGE, INC. 10 6.56% $8,834
    Mr. Cooper ( Nationstar Mortgage ) 9 6.68% $12,350
    Equity Prime Mortgage LLC 9 6.21% $9,983
    Carrington Mortgage Services, LLC 8 6.47% $10,799
    AMERISAVE MORTGAGE CORPORATION 7 6.48% $12,573
    BancorpSouth 7 6.18% $8,773
    VANDERBILT MORTGAGE AND FINANCE, INC. 6 5.92% $10,254
    EMM LOANS LLC 6 6.60% $10,480
    Flagstar Bank, FSB 6 6.24% $8,615
    Ameris Bank 6 6.25% $8,830
    GMFS LLC 6 6.58% $6,871
    EVERETT FINANCIAL, INC. 6 7.10% $11,446
    CARDINAL FINANCIAL 5 6.80% $10,331
    AmeriHome Mortgage Company, LLC 5 6.87% $7,621
    VILLAGE CAPITAL MORTGAGE 5 6.55% $7,127
    PLANET HOME LENDING, LLC 5 6.60% $8,903
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 4 6.78% $7,580
    Capital Bank 4 6.13% $10,381
    MOVEMENT MORTGAGE, LLC 4 6.66% $11,828
    ServisFirst Bank 4 6.25% $10,010
    MILEND, INC. 4 6.56% $13,076
    LOANPAL, LLC 4 6.25% $7,926
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.63% $12,728
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.59% $14,054
    VAN DYK MORTGAGE CORPORATION 4 7.19% $8,021
    ZILLOW HOME LOANS, LLC 3 6.83% $8,561
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.75% $8,311
    HOMESIDE FINANCIAL, LLC 3 6.96% $10,023
    NEWREZ LLC 3 6.25% $6,823
    Capital City Home Loans, LLC 2 6.56% $12,547
    CMG MORTGAGE, INC. 2 6.94% $8,374
    M&T Bank 2 6.00% $11,300
    Renasant Bank 2 6.94% $7,250
    Keystone Funding, Inc. 2 6.25% $13,893
    Nations Lending Corporation 2 6.69% $12,371
    NEW DAY FINANCIAL, LLC 2 7.25% $5,163
    Bank of America 2 5.81% $3,735
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.50% $14,627
    ACOPIA, LLC 2 6.88% $8,319
    NFM, INC. 2 6.44% $11,555
    Northpointe Bank 2 6.88% $6,704
    SUMMIT FUNDING, INC. 2 6.38% $9,452
    Lakeview Community Capital, LLC 2 6.94% $9,272
    First Federal Bank 2 5.88% $8,720
    Paramount Residential Mortgage Group, Inc. 2 5.75% $13,899
    CHURCHILL MORTGAGE CORPORATION 2 6.13% $9,124
    MORTGAGE INVESTORS GROUP, INC. 2 6.19% $7,841
    TOP FLITE FINANCIAL, INC. 2 6.69% $18,271
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.50% $17,670
    Truist 2 6.25% $9,494
    AMERICAN FINANCIAL RESOURCES, INC. 2 5.81% $9,914
    Plains Commerce Bank 2 6.50% $9,124
    AMERICAN FINANCIAL NETWORK, INC. 2 7.19% $8,609
    East Coast Capital Corp. 2 6.44% $16,412
    PLAZA HOME MORTGAGE, INC. 2 6.75% $11,538
    ALAMEDA MORTGAGE CORPORATION 2 6.31% $8,916
    DAS Acquisition Company, LLC 2 6.56% $10,823
    Presidential Bank, FSB 2 6.69% $12,444
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $11,405
    American Mortgage & Equity Consultants, Inc. 1 6.13% $12,547
    T2 FINANCIAL LLC 1 5.25% $32,294
    The Loan Store, Inc. 1 6.99% $11,417
    THE MORTGAGE FIRM, INC. 1 7.13% $6,071
    TJC Mortgage, Inc. 1 7.13% $8,120
    TOWNE MORTGAGE COMPANY 1 6.75% $9,325
    U.S. Bank 1 6.63% $15,145
    ALLIED MORTGAGE GROUP, INC. 1 6.63% $5,919
    VERITAS FUNDING, LLC 1 6.99% $21,010
    GENEVA FINANCIAL, LLC 1 7.13% $12,178
    GERSHMAN INVESTMENT CORP. 1 6.63% $12,784
    RELIANCE FIRST CAPITAL, LLC 1 6.63% $5,948
    First Merchants Bank 1 6.38% $7,378
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.13% $9,363
    Wells Fargo Bank 1 6.75% $8,271
    HOMESTEAD FUNDING CORP. 1 6.50% $4,602
    FIRST COLONY MORTGAGE CORPORATION 1 7.13% $7,000
    INTELLILOAN, INC. 1 6.75% $5,209
    ISERVE RESIDENTIAL LENDING, LLC 1 6.63% $15,762
    LAKEVIEW LOAN SERVICING, LLC 1 6.63% $7,639
    ENDEAVOR CAPITAL, LLC. 1 7.13% $14,396
    Loan Simple, Inc. 1 6.13% $10,571
    MICHIGAN MUTUAL, INC. 1 6.25% $14,746
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.00% $11,587
    Mortgage Research Center, LLC 1 7.25% $7,455
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.75% $7,909
    Citibank 1 6.25% $11,317
    NORWICH COMMERCIAL GROUP, INC. 1 7.75% $14,504
    OCMBC, INC. 1 7.63% $6,451
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $10,906
    PHH Mortgage Corporation 1 6.99% $12,805
    Century Mortgage Company DBA Century Lending Company 1 7.75% $10,618
    PLUS RELOCATION MORTGAGE, LLC 1 7.25% $11,931
    BETTER MORTGAGE CORPORATION 1 6.00% $7,409
    Franklin Loan Corporation 1 6.25% $11,954
    Residential Acceptance Corporation 1 7.75% $6,523
    ROYAL UNITED MORTGAGE LLC 1 7.63% $6,499
    RUOFF MORTGAGE COMPANY, INC. 1 6.25% $8,064
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.13% $5,227
    STOCKTON MORTGAGE CORPORATION 1 6.13% $8,640

    The top Warner Robins FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 119 FHA loans originated. Their average total fees are $11,016, which is $855 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Warner Robins FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($7,235), INSPIRE HOME LOANS INC. ($8,500), PENNYMAC LOAN SERVICES, LLC ($8,615), FIRST COMMUNITY MORTGAGE, INC. ($8,834) and Alcova Mortgage LLC ($8,996).

    The lowest rate Warner Robins FHA lenders (with over 10 loans originated) are FBC MORTGAGE, LLC (5.34%), DHI MORTGAGE COMPANY, LTD. (5.68%), INSPIRE HOME LOANS INC. (5.82%), UNITED WHOLESALE MORTGAGE, LLC (6.01%) and PENNYMAC LOAN SERVICES, LLC (6.18%).

    Warner Robins FHA Loan Limits

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Warner Robins (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 $206,547 (28.3%) $209,250 (13.4%) 0.77 753
    2018-02-01 $212,500 (28.9%) $214,155 (15.2%) 0.77 779
    2018-03-01 $214,350 (26.5%) $215,839 (13.5%) 0.75 780
    2018-04-01 $218,894 (22.9%) $218,506 (11.0%) 0.74 766
    2018-05-01 $219,500 (18.7%) $220,858 (8.1%) 0.73 771
    2018-06-01 $216,888 (14.5%) $218,416 (5.4%) 0.72 816
    2018-07-01 $216,644 (11.2%) $218,970 (4.5%) 0.72 863
    2018-08-01 $211,563 (11.0%) $216,572 (3.7%) 0.71 890
    2018-09-01 $210,250 (7.5%) $211,864 (1.9%) 0.71 858
    2018-10-01 $214,163 (8.2%) $213,473 (3.5%) 0.73 852
    2018-11-01 $218,638 (12.0%) $218,846 (7.1%) 0.74 874
    2018-12-01 $218,772 (10.0%) $217,429 (5.7%) 0.75 818
    2019-01-01 $218,763 (5.9%) $213,332 (2.0%) 0.76 773
    2019-02-01 $217,963 (2.6%) $212,970 (-0.6%) 0.74 759
    2019-03-01 $212,064 (-1.1%) $214,072 (-0.8%) 0.69 768
    2019-04-01 $208,150 (-4.9%) $217,076 (-0.7%) 0.66 808
    2019-05-01 $199,950 (-8.9%) $215,778 (-2.3%) 0.62 814
    2019-06-01 $215,000 (-0.9%) $222,252 (1.8%) 0.67 749
    2019-07-01 $212,300 (-2.0%) $221,478 (1.2%) 0.66 751
    2019-08-01 $215,264 (1.8%) $224,405 (3.6%) 0.68 761
    2019-09-01 $219,559 (4.4%) $226,657 (7.0%) 0.70 767
    2019-10-01 $218,473 (2.0%) $227,246 (6.5%) 0.70 744
    2019-11-01 $213,000 (-2.6%) $223,218 (2.0%) 0.70 694
    2019-12-01 $218,837 (0.0%) $230,499 (6.0%) 0.73 649
    2020-01-01 $218,060 (-0.3%) $226,775 (6.3%) 0.73 636
    2020-02-01 $217,450 (-0.2%) $225,746 (6.0%) 0.71 618
    2020-03-01 $214,925 (1.4%) $228,632 (6.8%) 0.67 586
    2020-04-01 $215,000 (3.3%) $229,869 (5.9%) 0.67 539
    2020-05-01 $226,450 (13.3%) $233,992 (8.4%) 0.69 510
    2020-06-01 $235,670 (9.6%) $238,615 (7.4%) 0.69 426
    2020-07-01 $238,550 (12.4%) $243,181 (9.8%) 0.69 383
    2020-08-01 $232,228 (7.9%) $240,329 (7.1%) 0.67 382
    2020-09-01 $242,400 (10.4%) $249,041 (9.9%) 0.69 345
    2020-10-01 $239,450 (9.6%) $255,220 (12.3%) 0.69 313
    2020-11-01 $233,446 (9.6%) $249,920 (12.0%) 0.68 302
    2020-12-01 $236,641 (8.1%) $252,897 (9.7%) 0.70 295
    2021-01-01 $243,840 (11.8%) $265,517 (17.1%) 0.73 249
    2021-02-01 $252,710 (16.2%) $273,611 (21.2%) 0.74 218
    2021-03-01 $267,500 (24.5%) $282,985 (23.8%) 0.76 197
    2021-04-01 $277,425 (29.0%) $299,073 (30.1%) 0.75 197
    2021-05-01 $282,450 (24.7%) $294,037 (25.7%) 0.75 212
    2021-06-01 $294,950 (25.2%) $305,666 (28.1%) 0.78 249
    2021-07-01 $274,450 (15.1%) $296,435 (21.9%) 0.72 307
    2021-08-01 $257,180 (10.7%) $281,534 (17.2%) 0.69 319
    2021-09-01 $274,950 (13.4%) $288,225 (15.7%) 0.73 332
    2021-10-01 $255,486 (6.7%) $280,443 (9.9%) 0.68 380
    2021-11-01 $263,129 (12.7%) $290,150 (16.1%) 0.70 365
    2021-12-01 $267,652 (13.1%) $286,151 (13.2%) 0.73 320
    2022-01-01 $278,080 (14.0%) $289,639 (9.1%) 0.75 305
    2022-02-01 $288,765 (14.3%) $305,484 (11.7%) 0.75 288
    2022-03-01 $299,167 (11.8%) $312,473 (10.4%) 0.75 289
    2022-04-01 $287,995 (3.8%) $308,240 (3.1%) 0.69 289
    2022-05-01 $294,658 (4.3%) $313,247 (6.5%) 0.67 350
    2022-06-01 $305,653 (3.6%) $316,551 (3.6%) 0.68 408
    2022-07-01 $323,036 (17.7%) $337,969 (14.0%) 0.73 426
    2022-08-01 $324,484 (26.2%) $333,742 (18.5%) 0.75 428
    2022-09-01 $321,255 (16.8%) $326,607 (13.3%) 0.75 434
    2022-10-01 $321,915 (26.0%) $328,522 (17.1%) 0.76 470
    2022-11-01 $319,900 (21.6%) $319,328 (10.1%) 0.77 520
    2022-12-01 $315,000 (17.7%) $318,784 (11.4%) 0.78 533
    2023-01-01 $310,293 (11.6%) $328,148 (13.3%) 0.77 506
    2023-02-01 $307,500 (6.5%) $328,117 (7.4%) 0.74 499
    2023-03-01 $302,828 (1.2%) $325,765 (4.3%) 0.71 495
    2023-04-01 $298,961 (3.8%) $322,568 (4.7%) 0.70 530
    2023-05-01 $301,300 (2.3%) $332,156 (6.0%) 0.68 534
    2023-06-01 $312,175 (2.1%) $327,983 (3.6%) 0.70 519
    2023-07-01 $310,950 (-3.7%) $326,248 (-3.5%) 0.71 491
    2023-08-01 $306,450 (-5.6%) $324,772 (-2.7%) 0.70 487
    2023-09-01 $307,900 (-4.2%) $324,672 (-0.6%) 0.72 511
    2023-10-01 $299,048 (-7.1%) $317,782 (-3.3%) 0.70 583
    2023-11-01 $299,023 (-6.5%) $320,007 (0.2%) 0.71 635
    2023-12-01 $296,690 (-5.8%) $315,189 (-1.1%) 0.72 650
    2024-01-01 $295,970 (-4.6%) $313,577 (-4.4%) 0.72 603
    2024-02-01 $294,270 (-4.3%) $311,311 (-5.1%) 0.71 593
    2024-03-01 $294,453 (-2.8%) $313,737 (-3.7%) 0.69 588
    2024-04-01 $299,575 (0.2%) $324,886 (0.7%) 0.70 533
    2024-05-01 $309,295 (2.7%) $331,209 (-0.3%) 0.70 526
    2024-06-01 $309,490 (-0.9%) $341,741 (4.2%) 0.70 524
    2024-07-01 $315,623 (1.5%) $341,967 (4.8%) 0.72 529
    2024-08-01 $309,490 (1.0%) $332,918 (2.5%) 0.72 549
    2024-09-01 $299,950 (-2.6%) $330,727 (1.9%) 0.71 572
    2024-10-01 $296,918 (-0.7%) $326,410 (2.7%) 0.70 547
    2024-11-01 $295,000 (-1.4%) $321,536 (0.5%) 0.71 559
    2024-12-01 $299,425 (0.9%) $332,043 (5.4%) 0.74 537
    2025-01-01 $299,450 (1.2%) $331,381 (5.7%) 0.75 528
    2025-02-01 $302,616 (2.8%) $337,564 (8.4%) 0.73 497
    2025-03-01 $299,825 (1.8%) $322,747 (2.9%) 0.00 579
    Warner Robins's median listing price for 2025-03-01 was $299,825, a difference of $5,372 (1.8%) versus the prior year and $-2,791 versus the prior month.

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

    Warner Robins's average listing price for 2025-03-01 was $322,747, a difference of $9,010 (2.9%) versus the prior year and $-14,817 versus the prior month.

    For the 2025-03-01 period, Warner Robins had 579 MLS listings, a difference of 82 listings (16%) versus the prior month and -9 listings (-2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Warner Robins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 80 days 2,272 sqft
    2018-02-01 66 days 2,299 sqft
    2018-03-01 54 days 2,320 sqft
    2018-04-01 60 days 2,345 sqft
    2018-05-01 66 days 2,364 sqft
    2018-06-01 68 days 2,352 sqft
    2018-07-01 63 days 2,327 sqft
    2018-08-01 60 days 2,318 sqft
    2018-09-01 72 days 2,321 sqft
    2018-10-01 82 days 2,322 sqft
    2018-11-01 83 days 2,346 sqft
    2018-12-01 92 days 2,331 sqft
    2019-01-01 97 days 2,307 sqft
    2019-02-01 83 days 2,295 sqft
    2019-03-01 71 days 2,305 sqft
    2019-04-01 58 days 2,327 sqft
    2019-05-01 60 days 2,307 sqft
    2019-06-01 58 days 2,327 sqft
    2019-07-01 59 days 2,296 sqft
    2019-08-01 60 days 2,312 sqft
    2019-09-01 62 days 2,318 sqft
    2019-10-01 65 days 2,298 sqft
    2019-11-01 69 days 2,245 sqft
    2019-12-01 74 days 2,277 sqft
    2020-01-01 75 days 2,262 sqft
    2020-02-01 68 days 2,278 sqft
    2020-03-01 60 days 2,221 sqft
    2020-04-01 62 days 2,192 sqft
    2020-05-01 66 days 2,270 sqft
    2020-06-01 58 days 2,346 sqft
    2020-07-01 49 days 2,369 sqft
    2020-08-01 39 days 2,298 sqft
    2020-09-01 50 days 2,336 sqft
    2020-10-01 49 days 2,267 sqft
    2020-11-01 42 days 2,263 sqft
    2020-12-01 46 days 2,246 sqft
    2021-01-01 54 days 2,330 sqft
    2021-02-01 46 days 2,360 sqft
    2021-03-01 28 days 2,421 sqft
    2021-04-01 31 days 2,478 sqft
    2021-05-01 29 days 2,486 sqft
    2021-06-01 26 days 2,515 sqft
    2021-07-01 30 days 2,471 sqft
    2021-08-01 49 days 2,366 sqft
    2021-09-01 41 days 2,306 sqft
    2021-10-01 34 days 2,142 sqft
    2021-11-01 47 days 2,234 sqft
    2021-12-01 60 days 2,246 sqft
    2022-01-01 55 days 2,178 sqft
    2022-02-01 43 days 2,143 sqft
    2022-03-01 46 days 2,202 sqft
    2022-04-01 36 days 2,161 sqft
    2022-05-01 23 days 1,982 sqft
    2022-06-01 33 days 2,081 sqft
    2022-07-01 43 days 2,250 sqft
    2022-08-01 48 days 2,267 sqft
    2022-09-01 53 days 2,184 sqft
    2022-10-01 54 days 2,246 sqft
    2022-11-01 54 days 2,193 sqft
    2022-12-01 59 days 2,199 sqft
    2023-01-01 64 days 2,184 sqft
    2023-02-01 51 days 2,180 sqft
    2023-03-01 47 days 2,121 sqft
    2023-04-01 44 days 1,984 sqft
    2023-05-01 51 days 2,205 sqft
    2023-06-01 49 days 2,301 sqft
    2023-07-01 56 days 2,187 sqft
    2023-08-01 45 days 2,155 sqft
    2023-09-01 46 days 2,156 sqft
    2023-10-01 42 days 2,043 sqft
    2023-11-01 47 days 2,021 sqft
    2023-12-01 57 days 2,009 sqft
    2024-01-01 62 days 1,972 sqft
    2024-02-01 47 days 1,951 sqft
    2024-03-01 45 days 1,947 sqft
    2024-04-01 47 days 1,973 sqft
    2024-05-01 44 days 2,055 sqft
    2024-06-01 47 days 2,096 sqft
    2024-07-01 47 days 2,142 sqft
    2024-08-01 51 days 2,062 sqft
    2024-09-01 48 days 2,046 sqft
    2024-10-01 53 days 2,006 sqft
    2024-11-01 50 days 2,000 sqft
    2024-12-01 55 days 2,001 sqft
    2025-01-01 63 days 1,992 sqft
    2025-02-01 62 days 2,062 sqft
    2025-03-01 0 days 2,001 sqft
    Warner Robins's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Warner Robins's median square footage for active listings during the 2025-03-01 period was 2,001 sqft. One year prior, the average listing was 1,947 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).