Georgia FHA Loan Rates, Closing Costs & Stats

Georgia

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 6.51% for the week of 2024-06-07, compared to the national average (all FHA variants) of 6.692% for the same period.

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

The average rate for the prior week (2024-05-31) was 6.69% and one month ago for the week of 2024-05-03, the average rate was 6.69%.

The average rate one year ago was 6.36%.

For refis of the same type during the week of 2024-06-07, the average rate was 6.64%.

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).