Georgia FHA Loan Rates, Closing Costs & Stats

Georgia

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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.

    Georgia FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Georgia averaged 6.34% for the week of 2024-11-08, compared to the national average (all FHA variants) of 6.425% for the same period.

    Georgia's average FHA mortgage closing costs are $8,355.

    The average rate for the prior week (2024-11-01) was 6.12% and one month ago for the week of 2024-10-04, the average rate was 5.94%.

    The average rate one year ago was 7.38%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.57%.

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

    Georgia 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 Georgia level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 4,043 6.18% $11,959
    UNITED WHOLESALE MORTGAGE, LLC 2,912 6.26% $13,452
    BROKER SOLUTIONS, INC. 1,733 6.28% $13,003
    HOMESTAR FINANCIAL CORPORATION 1,017 6.51% $9,193
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 973 6.73% $11,863
    LOANDEPOT.COM, LLC 871 6.29% $12,821
    DHI MORTGAGE COMPANY, LTD. 826 5.47% $9,443
    EVERETT FINANCIAL, INC. 812 7.18% $14,326
    Ameris Bank 757 6.24% $13,341
    CROSSCOUNTRY MORTGAGE, LLC 698 6.66% $13,068
    MOVEMENT MORTGAGE, LLC 668 6.63% $12,758
    PENNYMAC LOAN SERVICES, LLC 571 6.03% $13,524
    FREEDOM MORTGAGE CORPORATION 566 6.75% $14,244
    BANKSOUTH MORTGAGE COMPANY, LLC 558 6.28% $13,229
    GUARANTEED RATE, INC. 511 6.43% $11,728
    CARDINAL FINANCIAL 496 6.38% $12,838
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 494 6.57% $14,395
    GUILD MORTGAGE COMPANY 487 6.58% $11,366
    Flagstar Bank, FSB 462 6.62% $10,386
    AMERICAN FINANCING CORPORATION 450 6.30% $12,053
    VANDERBILT MORTGAGE AND FINANCE, INC. 445 6.29% $12,885
    First Option Mortgage, LLC 432 6.89% $15,330
    Mr. Cooper ( Nationstar Mortgage ) 420 6.13% $14,910
    NEWREZ LLC 360 6.36% $12,909
    AMERICAN FINANCIAL NETWORK, INC. 328 6.96% $13,064
    Synovus Bank 327 6.19% $12,061
    Carrington Mortgage Services, LLC 325 6.26% $13,580
    AMERISAVE MORTGAGE CORPORATION 321 6.01% $14,892
    Renasant Bank 311 6.38% $10,849
    HOMEOWNERS FINANCIAL GROUP USA, LLC 307 6.62% $14,667
    Equity Prime Mortgage LLC 306 6.77% $13,747
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 276 6.55% $10,572
    CMG MORTGAGE, INC. 274 6.67% $12,809
    Paramount Residential Mortgage Group, Inc. 270 6.46% $13,980
    INSPIRE HOME LOANS INC. 255 5.82% $11,423
    ACADEMY MORTGAGE CORPORATION 247 6.66% $15,196
    MILEND, INC. 244 6.47% $16,085
    Prosperity Home Mortgage, LLC 242 6.28% $12,029
    STOCKTON MORTGAGE CORPORATION 237 6.72% $11,602
    FBC MORTGAGE, LLC 233 5.28% $10,412
    NFM, INC. 222 6.86% $12,189
    ZILLOW HOME LOANS, LLC 220 6.38% $12,033
    CANOPY MORTGAGE, LLC 216 6.64% $18,295
    ACOPIA, LLC 202 6.90% $13,316
    FIRST COMMUNITY MORTGAGE, INC. 202 6.74% $12,744
    MUTUAL OF OMAHA MORTGAGE, INC. 202 6.57% $14,695
    US MORTGAGE CORPORATION 201 6.83% $15,133
    Regions Bank 190 6.21% $10,903
    Colony Bank 180 6.51% $9,854
    SOUTHPOINT FINANCIAL SERVICES, INC. 179 6.71% $10,100
    Plains Commerce Bank 176 6.36% $12,153
    VAN DYK MORTGAGE CORPORATION 163 6.76% $8,325
    HOMEBRIDGE FINANCIAL SERVICES, INC. 161 6.32% $13,334
    THRIVE MORTGAGE, LLC 157 6.60% $12,074
    SECURITYNATIONAL MORTGAGE COMPANY 156 6.54% $14,337
    TOWNE MORTGAGE COMPANY 152 6.54% $11,245
    PLANET HOME LENDING, LLC 143 6.33% $12,243
    SWBC MORTGAGE CORPORATION 141 6.68% $7,863
    MORTGAGE INVESTORS GROUP, INC. 136 6.65% $10,068
    Capital City Home Loans, LLC 134 6.49% $12,679
    Century Mortgage Company DBA Century Lending Company 133 6.50% $12,473
    UNION HOME MORTGAGE CORP. 118 6.81% $10,993
    LAKEVIEW LOAN SERVICING, LLC 117 6.18% $12,712
    AMERICAN PACIFIC MORTGAGE CORPORATION 117 6.67% $14,698
    FirstBank 116 6.53% $9,716
    GUARANTEED RATE AFFINITY, LLC 113 6.53% $13,075
    PRIMELENDING, A PLAINSCAPITAL COMPANY 113 6.74% $13,611
    DAS Acquisition Company, LLC 109 6.74% $12,884
    Mortgage Research Center, LLC 109 6.95% $7,146
    CALCON MUTUAL MORTGAGE LLC 104 6.91% $17,284
    OCMBC, INC. 104 6.96% $16,028
    RELIANCE FIRST CAPITAL, LLC 102 6.71% $13,017
    United Community Bank 99 6.62% $10,272
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 99 6.65% $10,438
    EAGLE HOME MORTGAGE, LLC 99 5.28% $15,278
    PULTE MORTGAGE LLC 97 6.12% $9,510
    Truist 92 6.15% $9,694
    PLAZA HOME MORTGAGE, INC. 90 6.51% $14,664
    Magnolia Bank 88 6.47% $11,548
    SUMMIT FUNDING, INC. 88 6.97% $13,087
    VILLAGE CAPITAL MORTGAGE 87 6.07% $11,765
    HOMESIDE FINANCIAL, LLC 86 6.54% $12,337
    Nations Lending Corporation 85 6.56% $11,144
    ISERVE RESIDENTIAL LENDING, LLC 85 6.76% $19,285
    First Federal Bank 82 6.27% $11,164
    MID AMERICA MORTGAGE, INC. 81 7.52% $7,231
    GENEVA FINANCIAL, LLC 78 6.91% $14,568
    BAY EQUITY LLC 78 6.51% $14,252
    Northpointe Bank 77 6.40% $10,153
    The Federal Savings Bank 77 6.21% $16,469
    TOP FLITE FINANCIAL, INC. 77 6.86% $13,551
    South State Bank 74 6.30% $10,860
    Lakeview Community Capital, LLC 73 6.17% $12,534
    JPMorgan Chase Bank 73 6.25% $6,834
    TJC Mortgage, Inc. 72 6.61% $13,394
    MEMBER FIRST MORTGAGE, LLC 68 6.59% $8,842
    BancorpSouth 66 6.38% $8,403
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 63 6.64% $12,995
    NATIONWIDE MORTGAGE BANKERS, INC. 62 6.83% $14,761
    Wells Fargo Bank 62 6.35% $9,346
    SUCCESS MORTGAGE PARTNERS, INC. 61 6.46% $13,392
    NVR Mortgage Finance, Inc. 59 5.66% $13,594
    LOANPAL, LLC 59 5.98% $12,981
    LEADERONE FINANCIAL CORPORATION 58 6.68% $11,491
    Bank of England 58 6.34% $11,736
    SUN WEST MORTGAGE COMPANY, INC. 58 6.23% $14,806
    Loan Simple, Inc. 58 6.69% $15,816
    Cornerstone First Mortgage, Inc 56 6.95% $13,628
    NATIONS DIRECT MORTGAGE, LLC 55 6.73% $13,059
    SHELTER HOME MORTGAGE, LLC 53 6.63% $13,970
    Franklin Loan Corporation 52 6.01% $16,856
    Mortgage Assurance Inc. 51 6.24% $12,260
    AmeriHome Mortgage Company, LLC 51 6.29% $11,896
    Platinum Home Mortgage Corporation 48 6.77% $13,320
    EMM LOANS LLC 48 6.33% $13,386
    CRESCENT MORTGAGE COMPANY 48 6.22% $9,309
    MORTGAGE SOLUTIONS OF COLORADO, LLC 46 6.80% $14,237
    PANORAMA MORTGAGE GROUP, LLC 45 6.97% $15,735
    LIBERTY HOME MORTGAGE CORPORATION 45 7.09% $11,468
    AMERICAN FINANCIAL RESOURCES, INC. 44 6.78% $11,409
    CHURCHILL MORTGAGE CORPORATION 43 6.48% $13,377
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 39 6.63% $15,203
    Goldwater Bank, N.A. 38 6.90% $12,133
    DIRECT LENDERS, LLC 37 6.56% $7,553
    VICTORY MORTGAGE, L.L.C. 36 6.59% $10,087
    First Heritage Mortgage, LLC 34 6.76% $15,995
    Queensborough National Bank & Trust Company 34 6.02% $10,378
    HOMESPIRE MORTGAGE CORPORATION 34 6.39% $8,511
    THE MORTGAGE FIRM, INC. 30 6.42% $14,148
    Alcova Mortgage LLC 30 6.76% $9,434
    AUGUSTA MORTGAGE CO. 30 6.30% $11,209
    PREMIER MORTGAGE RESOURCES, L.L.C. 30 6.87% $17,082
    VERITAS FUNDING, LLC 29 6.40% $18,361
    PRIMARY RESIDENTIAL MORTGAGE, INC. 29 6.60% $13,739
    M&T Bank 28 6.42% $10,317
    Hometown Equity Mortgage, LLC 28 6.70% $15,663
    Bank of America 27 6.57% $8,261
    PENTAGON FEDERAL CREDIT UNION 27 5.55% $10,531
    ALAMEDA MORTGAGE CORPORATION 26 6.74% $13,262
    NBKC BANK 24 6.06% $10,024
    ENVOY MORTGAGE, LTD 24 6.71% $9,806
    RUOFF MORTGAGE COMPANY, INC. 23 6.46% $7,452
    JMAC LENDING, INC. 23 6.34% $17,645
    CITY FIRST MORTGAGE SERVICES, L.L.C. 23 7.01% $12,580
    RADIUS FINANCIAL GROUP INC. 22 6.78% $13,217
    FIRST CONTINENTAL MORTGAGE, LTD. 22 6.19% $6,605
    LAND HOME FINANCIAL SERVICES, INC. 22 6.76% $16,704
    MICHIGAN MUTUAL, INC. 22 6.47% $13,790
    CALIBER HOME LOANS, INC. 21 6.64% $10,375
    RESIDENTIAL BANCORP 21 6.55% $13,402
    Citizens Bank 21 6.52% $10,646
    George Mason Mortgage, LLC 20 6.51% $12,123
    ROYAL UNITED MORTGAGE LLC 20 6.95% $10,431
    GMFS LLC 20 6.51% $8,082
    Barrington Bank & Trust Company, N.A. 20 6.88% $10,391
    Presidential Bank, FSB 19 6.91% $14,361
    GEO-CORP, INC. 19 7.36% $20,470
    FIRST ALLIANCE HOME MORTGAGE, LLC 18 6.76% $16,953
    CONTOUR MORTGAGE CORPORATION 18 6.61% $11,709
    EMBRACE HOME LOANS, INC. 18 6.41% $11,707
    FIRST CHOICE MORTGAGE, INC. 17 6.72% $9,460
    U.S. Bank 17 6.73% $9,725
    PHH Mortgage Corporation 17 6.25% $13,327
    South Pacific Financial Corporation 17 5.38% $11,358
    Keystone Funding, Inc. 16 6.35% $15,731
    LOANLEADERS OF AMERICA, INC. 15 6.18% $16,994
    Wolfe Financial, Inc 15 7.20% $11,404
    BAYSHORE MORTGAGE FUNDING, LLC 15 7.17% $14,800
    NEW DAY FINANCIAL, LLC 14 7.46% $5,583
    COMMUNITY MORTGAGE CORPORATION 14 6.54% $10,417
    Residential Mortgage Solutions, Inc. 14 6.25% $13,697
    NORWICH COMMERCIAL GROUP, INC. 14 6.86% $10,930
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 14 6.81% $10,613
    BECKAM FUNDING CORP. 14 7.08% $19,407
    FIRST COLONY MORTGAGE CORPORATION 14 7.07% $10,718
    OPEN MORTGAGE, LLC 13 7.05% $13,830
    NATIONS RELIABLE LENDING, LLC 13 6.85% $18,620
    JET HOMELOANS, LLC 13 6.45% $10,770
    Evolve Bank & Trust 11 6.78% $12,020
    Assurance Financial Group, L.L.C. 11 6.99% $11,613
    CityWorth Mortgage LLC 11 6.25% $19,319
    GUARANTY HOME MORTGAGE CORPORATION 11 6.55% $8,552
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 10 6.24% $11,505
    Southern First Bank 10 6.60% $11,198
    SANCTUARY HOME MORTGAGE LLC 10 6.66% $14,834
    NATION ONE MORTGAGE CORPORATION 10 6.76% $19,361
    SOVEREIGN LENDING GROUP INCORPORATED 10 5.26% $17,231
    BETTER MORTGAGE CORPORATION 10 6.24% $14,111
    PNC Bank 10 6.61% $10,225
    NexBank 10 6.19% $13,864
    GEORGIA'S OWN 9 6.63% $9,028
    GSF Mortgage Corporation 9 6.13% $9,911
    First Horizon Bank 8 6.38% $13,193
    GUARANTY MORTGAGE SERVICES, L.L.C. 8 6.98% $14,902
    The Loan Store, Inc. 8 6.76% $13,346
    MY MORTGAGE, INC. 8 7.14% $12,169
    Blue Ridge Bank 8 6.72% $10,252
    EUSTIS AND AMERICAN MORTGAGE COMPANY 8 6.73% $14,603
    NMSI, INC. 8 6.08% $16,131
    American Mortgage & Equity Consultants, Inc. 7 6.66% $14,301
    The Central Trust Bank 7 6.29% $11,424
    T2 FINANCIAL LLC 7 6.66% $14,290
    1ST SIGNATURE LENDING, LLC 7 6.77% $13,440
    INTERCOASTAL MORTGAGE COMPANY 7 6.48% $9,428
    Fifth Third Bank 7 6.25% $9,174
    OCEANSIDE MORTGAGE COMPANY 7 6.29% $5,882
    Security Federal Bank 7 5.80% $9,738
    Pinnacle Bank 7 6.32% $10,339
    PREMIA MORTGAGE, LLC 7 6.54% $9,098
    ALLIED MORTGAGE GROUP, INC. 7 6.54% $11,154
    Shamrock Home Loans, Inc. 6 6.56% $11,534
    Wyndham Capital Mortgage, Inc. 6 5.71% $12,675
    ServisFirst Bank 6 6.66% $8,115
    North American Savings Bank, F.S.B. 6 5.79% $9,538
    Gateway First Bank 6 6.98% $11,987
    Allied First Bank,sb 6 6.75% $11,966
    INTERLINC MORTGAGE SERVICES, LLC 6 7.25% $5,708
    DIRECT MORTGAGE LOANS, LLC 6 6.67% $14,776
    V.I.P. MORTGAGE, INC. 6 6.75% $12,970
    Trustmark National Bank 5 6.45% $11,461
    First-Citizens Bank & Trust Company 5 6.60% $11,224
    Kwik Mortgage Corporation 5 6.60% $9,419
    Princeton Mortgage Corporation 5 6.22% $10,968
    RESIDENTIAL HOME FUNDING CORP. 5 6.50% $9,163
    TOTAL MORTGAGE SERVICES, LLC 5 6.63% $12,555
    Acre Mortgage and Financial Inc 5 6.53% $18,611
    Neighborhood Loans, Inc. 5 6.70% $14,067
    Bell Bank 4 6.38% $13,830
    SRP Federal Credit Union 4 6.22% $10,247
    Ixonia Bank 4 6.50% $12,056
    CERTAINTY HOME LOANS, LLC 4 5.91% $13,521
    MEGASTAR FINANCIAL CORP. 4 6.78% $9,051
    MLD MORTGAGE INC. 4 5.91% $11,524
    Axos Bank 4 6.09% $13,850
    ABSOLUTE HOME MORTGAGE CORPORATION 4 6.81% $16,172
    TruHome Solutions, LLC 4 6.38% $11,510
    NBH Bank 4 6.63% $6,891
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 4 6.56% $15,005
    DELMAR FINANCIAL COMPANY 4 6.50% $11,893
    Waterstone Mortgage Corporation 4 6.97% $12,825
    MORTGAGE FINANCIAL GROUP, INC. 4 6.94% $12,817
    Towne Bank 4 7.09% $14,872
    SOUTHWEST STAGE FUNDING, LLC 4 6.69% $6,505
    The Union Bank Company 4 5.81% $13,391
    MORTGAGE ACCESS CORP. 3 7.33% $18,682
    INTERCAP LENDING INC. 3 6.75% $8,589
    GARDNER FINANCIAL SERVICES, LTD. 3 6.58% $16,884
    FLAT BRANCH MORTGAGE, INC. 3 6.88% $10,823
    LEGEND LENDING CORPORATION 3 6.46% $16,202
    MIDLAND MORTGAGE CORPORATION 3 6.75% $10,674
    ENDEAVOR CAPITAL, LLC. 3 6.87% $10,329
    SeaTrust Mortgage Company 3 6.75% $13,657
    Arvest Bank 3 7.04% $9,033
    United Fidelity Funding Corp. 3 7.33% $13,896
    UNITED SECURITY FINANCIAL CORP 3 7.42% $14,317
    University Bank 3 6.88% $7,390
    Victorian Finance, LLC 3 6.13% $20,390
    RESOURCE FINANCIAL SERVICES, INC. 2 6.44% $9,190
    DRAPER AND KRAMER MORTGAGE CORP. 2 6.88% $11,147
    NJ LENDERS CORP. 2 5.94% $13,866
    NEXERA HOLDING LLC 2 5.63% $8,182
    UNIVERSAL MORTGAGE & FINANCE, INC. 2 6.63% $20,972
    RAPID MORTGAGE COMPANY 2 5.88% $28,344
    First Community Bank 2 6.88% $7,474
    American Mortgage Bank, LLC 2 6.75% $17,634
    CIBM Bank 2 7.00% $12,075
    Sierra Pacific Mortgage Company, Inc. 2 6.94% $10,502
    MORTGAGEONE, INC. 2 7.63% $10,556
    OAKTREE FUNDING CORP. 2 6.13% $19,490
    HARTFORD FUNDING, LTD. 2 6.69% $17,731
    BNC National Bank 2 6.38% $11,120
    Advisors Mortgage Group, L.L.C. 2 6.50% $13,922
    Independent Bank 2 7.38% $11,712
    VYSTAR 2 7.00% $9,223
    HOMESTEAD FUNDING CORP. 2 6.19% $7,684
    POLARIS HOME FUNDING CORP. 2 6.25% $11,667
    Sunflower Bank 2 6.63% $12,298
    Colonial Savings, F.A. 2 6.69% $13,598
    United Bank 2 6.69% $6,627
    NETWORK CAPITAL FUNDING CORPORATION 2 5.13% $9,215
    DEVELOPER'S MORTGAGE COMPANY 2 7.69% $10,997
    Fidelity Bank 1 7.13% $10,591
    FIDELITY BANK 1 5.50% $17,332
    MORIA DEVELOPMENT, INC. 1 6.88% $19,916
    Summit Mortgage Corporation 1 7.50% $18,051
    BAY-VALLEY MORTGAGE GROUP 1 6.13% $19,894
    MK LENDING CORP. 1 6.25% $17,260
    First Citizens National Bank 1 5.63% $5,514
    Mid-Continent Funding, Inc. 1 6.38% $19,351
    TBI MORTGAGE COMPANY 1 6.63% $20,518
    The Camden National Bank 1 5.25% $9,866
    First Community Bank 1 5.50% $9,532
    The Freedom Bank of Virginia 1 5.63% $15,162
    First Federal Bank, A FSB 1 5.63% $14,526
    Atlantic Union Bank 1 6.25% $13,166
    LOANFLIGHT LENDING, LLC 1 6.50% $9,311
    Atlantic Coast Mortgage, LLC 1 5.75% $10,153
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.75% $11,657
    First Palmetto Bank 1 7.13% $12,496
    WesBanco 1 6.38% $18,769
    First Savings Bank 1 6.75% $20,590
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.88% $15,107
    Armed Forces Bank 1 6.38% $17,354
    LENDING 3, INC. 1 6.88% $4,410
    ARC HOME LLC 1 5.99% $13,996
    FirstTrust Home Loans, Inc. 1 6.13% $8,574
    UNION CAPITAL MORTGAGE CORPORATION 1 5.75% $12,569
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.63% $12,017
    Union Savings Bank 1 6.25% $8,576
    United Bank 1 6.63% $11,121
    First United Bank and Trust Company 1 6.63% $11,649
    Willamette Valley Bank 1 6.25% $17,199
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 7.13% $10,778
    GERSHMAN INVESTMENT CORP. 1 6.63% $12,667
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 4.75% $11,223
    GoPrime Mortgage, Inc. 1 5.63% $8,872
    Florida Capital Bank 1 6.25% $11,911
    Valley National Bank 1 5.75% $8,629
    AMERICAN FEDERAL MORTGAGE CORPORATION 1 5.75% $14,853
    AMCAP MORTGAGE, LTD. 1 7.75% $6,205
    JET DIRECT FUNDING CORP 1 6.75% $25,222
    INTERSTATE HOME LOAN CENTER, INC. 1 5.75% $9,815
    PLUS RELOCATION MORTGAGE, LLC 1 6.25% $11,835
    Commerce Home Mortgage, Inc. 1 7.13% $13,523
    Countybank 1 5.38% $20,490
    Credence Funding Corporation 1 6.50% $5,264
    CIS Financial Services, Inc. 1 2.88% $14,113
    CHERRY CREEK MORTGAGE, LLC 1 5.00% $0
    DIRECT MORTGAGE, CORP. 1 5.75% $11,083
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.25% $18,168
    RANLIFE, INC. 1 6.25% $6,357
    CBM Mortgage, Inc. 1 6.88% $11,471
    CASTLE & COOKE MORTGAGE, LLC 1 6.75% $13,947
    CAROLINA ONE MORTGAGE, LLC 1 6.75% $16,726
    ONY GLO, INC. 1 7.63% $15,535
    ON Q FINANCIAL, INC. 1 7.63% $8,858
    Capital Bank 1 6.50% $6,699
    S1L, Inc. 1 6.75% $19,187
    NTFN, INC. 1 7.63% $8,181
    GEORGIA UNITED 1 5.63% $7,259
    East Coast Capital Corp. 1 5.75% $12,132
    Encompass Lending Group, LP 1 6.25% $14,725
    BOKF 1 7.13% $10,810
    SIRVA MORTGAGE, INC. 1 6.63% $7,895
    EQUITY RESOURCES, INC. 1 6.99% $8,420
    BM Real Estate Services, Inc. 1 7.13% $10,862
    EVANSVILLE TEACHERS 1 6.63% $15,317
    MYCUMORTGAGE, LLC 1 7.13% $7,887
    FAIR WAY LENDING LLC 1 7.25% $4,987

    The top Georgia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 4,043 FHA loans originated. Their average total fees are $11,959, which is $1,492 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Georgia FHA lenders (with over 10 loans originated) are NEW DAY FINANCIAL, LLC ($5,583), FIRST CONTINENTAL MORTGAGE, LTD. ($6,605), JPMorgan Chase Bank ($6,834), Mortgage Research Center, LLC ($7,146) and MID AMERICA MORTGAGE, INC. ($7,231).

    The lowest rate Georgia FHA lenders (with over 10 loans originated) are SOVEREIGN LENDING GROUP INCORPORATED (5.26%), EAGLE HOME MORTGAGE, LLC (5.28%), FBC MORTGAGE, LLC (5.28%), South Pacific Financial Corporation (5.38%) and DHI MORTGAGE COMPANY, LTD. (5.47%).

    Georgia FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    NON-METRO APPLING 2022 $420,680 $538,650 $651,050 $809,150
    DOUGLAS, GA ATKINSON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BACON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BAKER 2022 $420,680 $538,650 $651,050 $809,150
    MILLEDGEVILLE, GA BALDWIN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BANKS 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2022 $471,500 $603,600 $729,600 $906,750
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2022 $471,500 $603,600 $729,600 $906,750
    FITZGERALD, GA BEN HILL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BERRIEN 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA BIBB 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BLECKLEY 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA BRANTLEY 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA BROOKS 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA BRYAN 2022 $420,680 $538,650 $651,050 $809,150
    STATESBORO, GA BULLOCH 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO CALHOUN 2022 $420,680 $538,650 $651,050 $809,150
    ST. MARYS, GA CAMDEN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CANDLER 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2022 $471,500 $603,600 $729,600 $906,750
    CHATTANOOGA, TN-GA CATOOSA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CHARLTON 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA CHATHAM 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL CHATTAHOOCHEE 2022 $420,680 $538,650 $651,050 $809,150
    SUMMERVILLE, GA CHATTOOGA 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2022 $471,500 $603,600 $729,600 $906,750
    ATHENS-CLARKE COUNTY, GA CLARKE 2022 $457,700 $585,950 $708,250 $880,200
    NON-METRO CLAY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO CLINCH 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2022 $471,500 $603,600 $729,600 $906,750
    DOUGLAS, GA COFFEE 2022 $420,680 $538,650 $651,050 $809,150
    MOULTRIE, GA COLQUITT 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO COOK 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2022 $471,500 $603,600 $729,600 $906,750
    MACON-BIBB COUNTY, GA CRAWFORD 2022 $420,680 $538,650 $651,050 $809,150
    CORDELE, GA CRISP 2022 $420,680 $538,650 $651,050 $809,150
    CHATTANOOGA, TN-GA DADE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2022 $471,500 $603,600 $729,600 $906,750
    BAINBRIDGE, GA DECATUR 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO DODGE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO DOOLY 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA DOUGHERTY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO EARLY 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA ECHOLS 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA EFFINGHAM 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ELBERT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO EMANUEL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO EVANS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO FANNIN 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2022 $471,500 $603,600 $729,600 $906,750
    ROME, GA FLOYD 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO GILMER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GLASCOCK 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA GLYNN 2022 $420,680 $538,650 $651,050 $809,150
    CALHOUN, GA GORDON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GRADY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GREENE 2014 $515,200 $659,550 $797,250 $990,800
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2022 $471,500 $603,600 $729,600 $906,750
    CORNELIA, GA HABERSHAM 2022 $420,680 $538,650 $651,050 $809,150
    GAINESVILLE, GA HALL 2022 $420,680 $538,650 $651,050 $809,150
    MILLEDGEVILLE, GA HANCOCK 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2022 $471,500 $603,600 $729,600 $906,750
    COLUMBUS, GA-AL HARRIS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO HART 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2022 $471,500 $603,600 $729,600 $906,750
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2022 $471,500 $603,600 $729,600 $906,750
    WARNER ROBINS, GA HOUSTON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO IRWIN 2022 $420,680 $538,650 $651,050 $809,150
    JEFFERSON, GA JACKSON 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO JEFF DAVIS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO JENKINS 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA JOHNSON 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA JONES 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2022 $471,500 $603,600 $729,600 $906,750
    VALDOSTA, GA LANIER 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA LAURENS 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA LEE 2022 $420,680 $538,650 $651,050 $809,150
    HINESVILLE, GA LIBERTY 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
    HINESVILLE, GA LONG 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA LOWNDES 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LUMPKIN 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA MCINTOSH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO MACON 2022 $420,680 $538,650 $651,050 $809,150
    ATHENS-CLARKE COUNTY, GA MADISON 2022 $457,700 $585,950 $708,250 $880,200
    COLUMBUS, GA-AL MARION 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO MILLER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO MITCHELL 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA MONROE 2022 $420,680 $538,650 $651,050 $809,150
    VIDALIA, GA MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2022 $471,500 $603,600 $729,600 $906,750
    DALTON, GA MURRAY 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL MUSCOGEE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2022 $471,500 $603,600 $729,600 $906,750
    ATHENS-CLARKE COUNTY, GA OCONEE 2022 $457,700 $585,950 $708,250 $880,200
    ATHENS-CLARKE COUNTY, GA OGLETHORPE 2022 $457,700 $585,950 $708,250 $880,200
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2022 $471,500 $603,600 $729,600 $906,750
    WARNER ROBINS, GA PEACH 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2022 $471,500 $603,600 $729,600 $906,750
    WAYCROSS, GA PIERCE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2022 $471,500 $603,600 $729,600 $906,750
    CEDARTOWN, GA POLK 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PULASKI 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PUTNAM 2022 $420,680 $538,650 $651,050 $809,150
    EUFAULA, AL-GA QUITMAN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO RABUN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO RANDOLPH 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2022 $471,500 $603,600 $729,600 $906,750
    AMERICUS, GA SCHLEY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SCREVEN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SEMINOLE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2022 $471,500 $603,600 $729,600 $906,750
    TOCCOA, GA STEPHENS 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL STEWART 2022 $420,680 $538,650 $651,050 $809,150
    AMERICUS, GA SUMTER 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL TALBOT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TALIAFERRO 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TATTNALL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TAYLOR 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TELFAIR 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA TERRELL 2022 $420,680 $538,650 $651,050 $809,150
    THOMASVILLE, GA THOMAS 2022 $420,680 $538,650 $651,050 $809,150
    TIFTON, GA TIFT 2022 $420,680 $538,650 $651,050 $809,150
    VIDALIA, GA TOOMBS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TOWNS 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA TREUTLEN 2022 $420,680 $538,650 $651,050 $809,150
    LAGRANGE, GA-AL TROUP 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TURNER 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA TWIGGS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO UNION 2022 $420,680 $538,650 $651,050 $809,150
    THOMASTON, GA UPSON 2022 $420,680 $538,650 $651,050 $809,150
    CHATTANOOGA, TN-GA WALKER 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2022 $471,500 $603,600 $729,600 $906,750
    WAYCROSS, GA WARE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WARREN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
    JESUP, GA WAYNE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WEBSTER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WHEELER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WHITE 2022 $420,680 $538,650 $651,050 $809,150
    DALTON, GA WHITFIELD 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILCOX 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILKES 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILKINSON 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA WORTH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO APPLING 2023 $472,030 $604,400 $730,525 $907,900
    DOUGLAS, GA ATKINSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BACON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BAKER 2023 $472,030 $604,400 $730,525 $907,900
    MILLEDGEVILLE, GA BALDWIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BANKS 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2023 $592,250 $758,200 $916,450 $1,138,950
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2023 $592,250 $758,200 $916,450 $1,138,950
    FITZGERALD, GA BEN HILL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BERRIEN 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA BIBB 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BLECKLEY 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA BRANTLEY 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA BROOKS 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA BRYAN 2023 $472,030 $604,400 $730,525 $907,900
    STATESBORO, GA BULLOCH 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO CALHOUN 2023 $472,030 $604,400 $730,525 $907,900
    ST. MARYS, GA CAMDEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CANDLER 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2023 $592,250 $758,200 $916,450 $1,138,950
    CHATTANOOGA, TN-GA CATOOSA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CHARLTON 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA CHATHAM 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL CHATTAHOOCHEE 2023 $472,030 $604,400 $730,525 $907,900
    SUMMERVILLE, GA CHATTOOGA 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2023 $592,250 $758,200 $916,450 $1,138,950
    ATHENS-CLARKE COUNTY, GA CLARKE 2023 $516,350 $661,000 $799,000 $993,000
    NON-METRO CLAY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO CLINCH 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2023 $592,250 $758,200 $916,450 $1,138,950
    DOUGLAS, GA COFFEE 2023 $472,030 $604,400 $730,525 $907,900
    MOULTRIE, GA COLQUITT 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COOK 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2023 $592,250 $758,200 $916,450 $1,138,950
    MACON-BIBB COUNTY, GA CRAWFORD 2023 $472,030 $604,400 $730,525 $907,900
    CORDELE, GA CRISP 2023 $472,030 $604,400 $730,525 $907,900
    CHATTANOOGA, TN-GA DADE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2023 $592,250 $758,200 $916,450 $1,138,950
    BAINBRIDGE, GA DECATUR 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO DODGE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DOOLY 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA DOUGHERTY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO EARLY 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA ECHOLS 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA EFFINGHAM 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ELBERT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EMANUEL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EVANS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FANNIN 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2023 $592,250 $758,200 $916,450 $1,138,950
    ROME, GA FLOYD 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO GILMER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GLASCOCK 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA GLYNN 2023 $472,030 $604,400 $730,525 $907,900
    CALHOUN, GA GORDON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GRADY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GREENE 2023 $515,200 $659,550 $797,250 $990,800
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2023 $592,250 $758,200 $916,450 $1,138,950
    CORNELIA, GA HABERSHAM 2023 $472,030 $604,400 $730,525 $907,900
    GAINESVILLE, GA HALL 2023 $472,030 $604,400 $730,525 $907,900
    MILLEDGEVILLE, GA HANCOCK 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2023 $592,250 $758,200 $916,450 $1,138,950
    COLUMBUS, GA-AL HARRIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HART 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2023 $592,250 $758,200 $916,450 $1,138,950
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2023 $592,250 $758,200 $916,450 $1,138,950
    WARNER ROBINS, GA HOUSTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO IRWIN 2023 $472,030 $604,400 $730,525 $907,900
    JEFFERSON, GA JACKSON 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO JEFF DAVIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JENKINS 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA JOHNSON 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA JONES 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2023 $592,250 $758,200 $916,450 $1,138,950
    VALDOSTA, GA LANIER 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA LAURENS 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA LEE 2023 $472,030 $604,400 $730,525 $907,900
    HINESVILLE, GA LIBERTY 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
    HINESVILLE, GA LONG 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA LOWNDES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LUMPKIN 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA MCINTOSH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MACON 2023 $472,030 $604,400 $730,525 $907,900
    ATHENS-CLARKE COUNTY, GA MADISON 2023 $516,350 $661,000 $799,000 $993,000
    COLUMBUS, GA-AL MARION 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO MILLER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MITCHELL 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA MONROE 2023 $472,030 $604,400 $730,525 $907,900
    VIDALIA, GA MONTGOMERY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2023 $592,250 $758,200 $916,450 $1,138,950
    DALTON, GA MURRAY 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL MUSCOGEE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2023 $592,250 $758,200 $916,450 $1,138,950
    ATHENS-CLARKE COUNTY, GA OCONEE 2023 $516,350 $661,000 $799,000 $993,000
    ATHENS-CLARKE COUNTY, GA OGLETHORPE 2023 $516,350 $661,000 $799,000 $993,000
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2023 $592,250 $758,200 $916,450 $1,138,950
    WARNER ROBINS, GA PEACH 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2023 $592,250 $758,200 $916,450 $1,138,950
    WAYCROSS, GA PIERCE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2023 $592,250 $758,200 $916,450 $1,138,950
    CEDARTOWN, GA POLK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PULASKI 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PUTNAM 2023 $472,030 $604,400 $730,525 $907,900
    EUFAULA, AL-GA QUITMAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RABUN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RANDOLPH 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2023 $592,250 $758,200 $916,450 $1,138,950
    AMERICUS, GA SCHLEY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SCREVEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SEMINOLE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2023 $592,250 $758,200 $916,450 $1,138,950
    TOCCOA, GA STEPHENS 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL STEWART 2023 $472,030 $604,400 $730,525 $907,900
    AMERICUS, GA SUMTER 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL TALBOT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TALIAFERRO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TATTNALL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TAYLOR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TELFAIR 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA TERRELL 2023 $472,030 $604,400 $730,525 $907,900
    THOMASVILLE, GA THOMAS 2023 $472,030 $604,400 $730,525 $907,900
    TIFTON, GA TIFT 2023 $472,030 $604,400 $730,525 $907,900
    VIDALIA, GA TOOMBS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TOWNS 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA TREUTLEN 2023 $472,030 $604,400 $730,525 $907,900
    LAGRANGE, GA-AL TROUP 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TURNER 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA TWIGGS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO UNION 2023 $472,030 $604,400 $730,525 $907,900
    THOMASTON, GA UPSON 2023 $472,030 $604,400 $730,525 $907,900
    CHATTANOOGA, TN-GA WALKER 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2023 $592,250 $758,200 $916,450 $1,138,950
    WAYCROSS, GA WARE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WARREN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900
    JESUP, GA WAYNE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WEBSTER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WHEELER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WHITE 2023 $472,030 $604,400 $730,525 $907,900
    DALTON, GA WHITFIELD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILCOX 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILKES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILKINSON 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA WORTH 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).