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 6.02% for the week of 2023-05-26, compared to the national average (all FHA variants) of 6.612% for the same period.

    Georgia's average FHA mortgage closing costs are $7,706.

    The average rate for the prior week (2023-05-19) was 6.09% and one month ago for the week of 2023-04-21, the average rate was 5.83%.

    The average rate one year ago was 4.75%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.05%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 4,184 4.50% $10,176
    HOMESTAR FINANCIAL CORPORATION 2,409 4.93% $9,170
    UNITED WHOLESALE MORTGAGE, LLC 1,998 4.90% $10,965
    BROKER SOLUTIONS, INC. 1,771 5.14% $11,510
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1,033 5.12% $10,287
    LOANDEPOT.COM, LLC 1,030 4.80% $11,369
    EVERETT FINANCIAL, INC. 934 5.63% $7,957
    PENNYMAC LOAN SERVICES, LLC 858 4.22% $10,223
    DHI MORTGAGE COMPANY, LTD. 832 4.23% $10,956
    Ameris Bank 784 4.81% $11,441
    FREEDOM MORTGAGE CORPORATION 759 4.86% $10,624
    Mr. Cooper ( Nationstar Mortgage ) 725 4.52% $12,135
    MOVEMENT MORTGAGE, LLC 638 5.05% $10,433
    CROSSCOUNTRY MORTGAGE, LLC 611 5.16% $12,137
    BANKSOUTH MORTGAGE COMPANY, LLC 598 4.66% $11,533
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 584 5.00% $12,877
    CALIBER HOME LOANS, INC. 575 4.78% $10,321
    CARDINAL FINANCIAL 548 4.98% $12,000
    Carrington Mortgage Services, LLC 501 5.11% $11,573
    AMERISAVE MORTGAGE CORPORATION 495 4.54% $12,664
    GUILD MORTGAGE COMPANY 481 5.03% $11,202
    HOMEBRIDGE FINANCIAL SERVICES, INC. 473 4.79% $12,046
    VANDERBILT MORTGAGE AND FINANCE, INC. 436 4.92% $11,205
    Equity Prime Mortgage LLC 388 5.22% $12,307
    GUARANTEED RATE, INC. 381 5.07% $10,453
    LAKEVIEW LOAN SERVICING, LLC 359 4.15% $7,759
    Flagstar Bank, FSB 345 4.65% $9,289
    Paramount Residential Mortgage Group, Inc. 326 5.17% $12,429
    NEWREZ LLC 318 4.81% $9,907
    First Option Mortgage, LLC 317 5.38% $13,068
    AMERICAN FINANCING CORPORATION 303 5.06% $11,019
    HOME POINT FINANCIAL CORPORATION 289 4.43% $9,953
    STOCKTON MORTGAGE CORPORATION 283 4.83% $10,178
    Synovus Bank 277 4.83% $10,216
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 273 5.14% $9,472
    INSPIRE HOME LOANS INC. 255 5.18% $11,640
    Renasant Bank 253 5.01% $8,456
    HOMEOWNERS FINANCIAL GROUP USA, LLC 252 5.25% $13,210
    MILEND, INC. 236 5.18% $14,625
    ACOPIA, LLC 229 5.38% $11,263
    Nations Lending Corporation 218 5.25% $11,989
    Lakeview Community Capital, LLC 204 4.12% $7,672
    SOUTHPOINT FINANCIAL SERVICES, INC. 183 5.09% $11,763
    SECURITYNATIONAL MORTGAGE COMPANY 181 4.93% $12,065
    CMG MORTGAGE, INC. 174 4.59% $9,560
    US MORTGAGE CORPORATION 174 5.18% $13,385
    CERTAINTY HOME LOANS, LLC 170 5.16% $10,066
    THE MORTGAGE FIRM, INC. 164 5.23% $11,495
    Prosperity Home Mortgage, LLC 163 5.09% $10,607
    Regions Bank 160 5.17% $9,444
    Colony Bank 150 5.13% $8,321
    VAN DYK MORTGAGE CORPORATION 140 5.34% $8,090
    CALCON MUTUAL MORTGAGE LLC 137 5.60% $15,107
    TOP FLITE FINANCIAL, INC. 135 5.41% $16,169
    FIRST COMMUNITY MORTGAGE, INC. 133 5.32% $11,681
    FirstBank 133 4.79% $8,770
    SWBC MORTGAGE CORPORATION 133 5.07% $8,040
    Capital City Home Loans, LLC 132 4.91% $9,936
    PLANET HOME LENDING, LLC 131 4.45% $9,294
    MUTUAL OF OMAHA MORTGAGE, INC. 128 5.07% $12,450
    DAS Acquisition Company, LLC 127 5.35% $12,088
    Mortgage Research Center, LLC 125 5.14% $7,471
    TOWNE MORTGAGE COMPANY 125 4.93% $9,536
    South State Bank 122 4.49% $9,105
    NFM, INC. 121 6.05% $10,879
    TJC Mortgage, Inc. 121 4.89% $11,083
    PRIMELENDING, A PLAINSCAPITAL COMPANY 120 4.96% $11,121
    Platinum Home Mortgage Corporation 117 5.39% $14,151
    PANORAMA MORTGAGE GROUP, LLC 116 5.65% $13,385
    VILLAGE CAPITAL MORTGAGE 116 3.90% $6,737
    PRIMARY RESIDENTIAL MORTGAGE, INC. 113 5.15% $11,077
    GUARANTEED RATE AFFINITY, LLC 112 5.08% $10,978
    BAY EQUITY LLC 112 4.70% $13,280
    HOMESIDE FINANCIAL, LLC 112 4.83% $10,886
    SUMMIT FUNDING, INC. 109 5.40% $11,987
    Century Mortgage Company DBA Century Lending Company 105 4.90% $11,063
    AMERICAN PACIFIC MORTGAGE CORPORATION 99 5.21% $12,548
    GENEVA FINANCIAL, LLC 97 5.04% $12,243
    First Federal Bank 97 4.59% $9,984
    United Community Bank 97 4.80% $8,409
    Magnolia Bank 96 4.84% $9,354
    NATIONS DIRECT MORTGAGE, LLC 92 4.68% $11,569
    JPMorgan Chase Bank 87 4.84% $6,789
    SHELTER HOME MORTGAGE, LLC 87 4.96% $12,185
    EAGLE HOME MORTGAGE, LLC 85 4.98% $13,126
    ANGEL OAK HOME LOANS LLC 82 4.99% $9,527
    Plains Commerce Bank 80 5.24% $10,782
    NATIONWIDE MORTGAGE BANKERS, INC. 80 5.60% $14,196
    FBC MORTGAGE, LLC 73 5.36% $11,693
    The Federal Savings Bank 72 4.74% $14,382
    First Guaranty Mortgage Corporation 71 4.01% $9,307
    ZILLOW HOME LOANS, LLC 71 4.96% $9,950
    RELIANCE FIRST CAPITAL, LLC 67 4.73% $11,157
    LIBERTY HOME MORTGAGE CORPORATION 66 5.49% $10,368
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 66 4.94% $8,589
    Bank of England 66 5.14% $10,572
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 64 5.01% $11,866
    AmeriHome Mortgage Company, LLC 61 4.98% $10,710
    Truist 60 4.50% $8,517
    OCMBC, INC. 59 5.29% $13,058
    MORTGAGE INVESTORS GROUP, INC. 59 5.22% $8,897
    DIRECT LENDERS, LLC 58 5.22% $7,250
    Queensborough National Bank & Trust Company 55 4.83% $9,095
    Wells Fargo Bank 54 4.75% $6,518
    CONTOUR MORTGAGE CORPORATION 54 5.29% $12,581
    ENVOY MORTGAGE, LTD 54 5.04% $9,068
    Bank of America 51 4.50% $8,066
    HOMESPIRE MORTGAGE CORPORATION 51 5.08% $11,644
    Northpointe Bank 51 4.70% $10,987
    SUCCESS MORTGAGE PARTNERS, INC. 50 5.00% $11,683
    M&T Bank 49 4.35% $8,306
    PULTE MORTGAGE LLC 48 5.00% $10,523
    MEMBER FIRST MORTGAGE, LLC 48 4.95% $9,045
    Goldwater Bank, N.A. 47 4.88% $11,072
    Hometown Equity Mortgage, LLC 47 5.28% $13,179
    RADIUS FINANCIAL GROUP INC. 46 4.95% $9,974
    Citizens Bank 43 4.09% $8,766
    CRESCENT MORTGAGE COMPANY 42 5.07% $8,881
    PLAZA HOME MORTGAGE, INC. 41 5.12% $12,897
    Alcova Mortgage LLC 41 5.16% $10,437
    Acre Mortgage and Financial Inc 41 4.95% $20,231
    MID AMERICA MORTGAGE, INC. 40 5.96% $7,748
    THRIVE MORTGAGE, LLC 40 6.08% $11,005
    LAND HOME FINANCIAL SERVICES, INC. 39 5.35% $10,905
    CHURCHILL MORTGAGE CORPORATION 38 4.83% $10,132
    AMERICAN FINANCIAL RESOURCES, INC. 38 5.04% $8,774
    MORTGAGE SOLUTIONS OF COLORADO, LLC 36 4.90% $12,656
    GMFS LLC 36 4.36% $6,364
    LEADERONE FINANCIAL CORPORATION 35 5.09% $10,099
    EMBRACE HOME LOANS, INC. 35 4.94% $12,351
    Mortgage Assurance Inc. 32 4.41% $9,887
    LOANPAL, LLC 32 4.63% $11,397
    MORIA DEVELOPMENT, INC. 31 4.98% $10,571
    INTERLINC MORTGAGE SERVICES, LLC 30 4.89% $6,578
    Princeton Mortgage Corporation 30 4.73% $11,922
    Barrington Bank & Trust Company, N.A. 30 5.08% $9,338
    Peoples Bank 29 5.03% $11,781
    ACADEMY MORTGAGE CORPORATION 29 5.32% $11,222
    Wyndham Capital Mortgage, Inc. 29 4.71% $8,781
    GUARANTY HOME MORTGAGE CORPORATION 28 5.20% $8,343
    ISERVE RESIDENTIAL LENDING, LLC 28 4.07% $14,086
    Atlantic Union Bank 27 5.09% $12,675
    UNION HOME MORTGAGE CORP. 27 5.14% $9,516
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 26 5.28% $9,447
    SRP Federal Credit Union 26 4.78% $9,224
    BancorpSouth Bank 26 5.01% $8,807
    Gateway First Bank 25 5.29% $9,241
    AUGUSTA MORTGAGE CO. 24 4.90% $9,926
    OPEN MORTGAGE, LLC 24 5.28% $11,597
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 24 5.21% $12,594
    ON Q FINANCIAL, INC. 23 5.04% $10,079
    EMM LOANS LLC 23 4.69% $12,730
    First Home Bank 23 5.01% $15,017
    JET HOMELOANS, LLC 22 5.25% $9,996
    RAPID MORTGAGE COMPANY 21 5.18% $11,542
    FINANCE OF AMERICA MORTGAGE LLC 21 4.60% $10,932
    T2 FINANCIAL LLC 21 5.52% $13,831
    LOANLEADERS OF AMERICA, INC. 21 4.96% $15,778
    FIRST CHOICE MORTGAGE, INC. 20 5.16% $7,937
    KELLER MORTGAGE, LLC 20 4.93% $8,945
    Cornerstone First Mortgage, Inc 20 5.61% $12,864
    RESIDENTIAL BANCORP. 20 4.72% $12,511
    Waterstone Mortgage Corporation 19 5.02% $14,008
    VICTORY MORTGAGE, L.L.C. 19 4.59% $10,269
    SOVEREIGN LENDING GROUP INCORPORATED 18 4.47% $11,476
    PNC Bank 18 4.72% $8,814
    RUOFF MORTGAGE COMPANY, INC. 18 4.69% $6,811
    Amerifirst Financial, Inc. 18 5.54% $8,497
    North American Savings Bank, F.S.B. 16 5.24% $8,803
    ASPIRE FINANCIAL, INC. 16 4.37% $10,512
    Assurance Financial Group, L.L.C. 16 5.41% $11,195
    PHH Mortgage Corporation 16 4.46% $10,122
    Ixonia Bank 16 5.05% $12,947
    GoPrime Mortgage, Inc. 16 5.89% $9,075
    SOUTHWEST STAGE FUNDING, LLC 16 5.37% $9,363
    COMMUNITY MORTGAGE CORPORATION 15 4.85% $8,098
    DATA MORTGAGE, INC. 15 4.79% $11,252
    CityWorth Mortgage LLC 15 5.07% $13,920
    Loan Simple, Inc. 15 5.98% $12,577
    NBKC BANK 15 4.99% $8,689
    South Pacific Financial Corporation 14 4.33% $14,790
    Blue Ridge Bank 14 4.42% $8,573
    United Bank 14 4.62% $8,845
    PENTAGON FEDERAL CREDIT UNION 14 5.32% $8,862
    PREMIER LENDING, INC. 13 4.29% $9,049
    NATIONS RELIABLE LENDING, LLC 13 5.22% $11,644
    Evolve Bank & Trust 13 4.93% $10,880
    Security Federal Bank 12 4.24% $9,015
    Paramount Bank 12 4.82% $9,061
    UNITED SECURITY FINANCIAL CORP 12 5.97% $15,307
    OCEANSIDE MORTGAGE COMPANY 12 4.69% $5,137
    ALLIED MORTGAGE GROUP, INC. 12 5.28% $9,514
    DRAPER AND KRAMER MORTGAGE CORP. 11 3.93% $8,229
    First Heritage Mortgage, LLC 11 5.52% $15,145
    U.S. Bank 11 4.67% $8,389
    RESIDENTIAL HOME FUNDING CORP. 10 5.23% $11,387
    ROYAL UNITED MORTGAGE LLC 10 5.68% $8,492
    BETTER MORTGAGE CORPORATION 10 4.33% $8,559
    MY MORTGAGE, INC. 10 5.58% $11,603
    GUARANTY MORTGAGE SERVICES, L.L.C. 9 5.56% $14,459
    BAYSHORE MORTGAGE FUNDING, LLC 9 5.61% $13,463
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 9 5.22% $11,965
    Shamrock Home Loans, Inc. 9 4.32% $10,035
    Fifth Third Bank 9 3.96% $6,477
    Victorian Finance, LLC 9 4.86% $10,673
    MICHIGAN MUTUAL, INC. 9 5.15% $13,436
    DELMAR FINANCIAL COMPANY 8 4.94% $9,489
    Credence Funding Corporation 8 4.69% $13,091
    Mortgage Network, Inc. 8 4.86% $10,456
    DEVELOPER'S MORTGAGE COMPANY 8 4.86% $8,139
    MIDLAND MORTGAGE CORPORATION 8 5.38% $6,830
    CANOPY MORTGAGE, LLC 8 6.48% $10,847
    Sierra Pacific Mortgage Company, Inc. 8 4.77% $10,680
    Texana Bank 8 4.72% $10,332
    FLAT BRANCH MORTGAGE, INC. 7 4.52% $11,663
    NEXERA HOLDING LLC 7 4.57% $9,079
    1ST SIGNATURE LENDING, LLC 7 4.63% $10,392
    MEGASTAR FINANCIAL CORP. 7 5.04% $7,609
    First Savings Bank 7 4.41% $12,904
    AMERIFIRST FINANCIAL CORPORATION 6 5.88% $13,396
    BECKAM FUNDING CORP. 6 5.23% $15,272
    Residential Mortgage Solutions, Inc. 6 5.35% $15,228
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 6 4.52% $12,720
    GERSHMAN INVESTMENT CORP. 6 4.75% $9,438
    The Union Bank Company 6 4.75% $13,178
    Wolfe Financial, Inc 6 6.04% $12,315
    MLD MORTGAGE INC. 6 5.06% $8,356
    ARC HOME LLC 6 4.27% $11,714
    EUSTIS AND AMERICAN MORTGAGE COMPANY 6 4.25% $6,887
    NEW DAY FINANCIAL, LLC 6 6.08% $10,435
    Colten Mortgage, LLC 6 5.44% $8,353
    DIRECT MORTGAGE LOANS, LLC 5 4.95% $11,814
    TOTAL MORTGAGE SERVICES, LLC 5 5.88% $13,539
    HOME FUNDING CORPORATION 5 5.25% $14,990
    First Horizon Bank 5 5.03% $12,556
    OAKTREE FUNDING CORP. 5 5.68% $16,748
    JAMES B. NUTTER & COMPANY 5 4.73% $7,562
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 5 5.80% $12,700
    Austin Capital Bank SSB 5 5.38% $14,049
    BELEM SERVICING LLC 5 3.08% $12,050
    CASTLE & COOKE MORTGAGE, LLC 5 5.00% $10,762
    CITY FIRST MORTGAGE SERVICES, L.L.C. 5 6.33% $11,150
    Sunflower Bank 5 5.52% $12,894
    Willamette Valley Bank 5 4.35% $11,088
    Towne Bank 4 4.31% $9,780
    Advisors Mortgage Group, L.L.C. 4 4.22% $10,081
    SANCTUARY HOME MORTGAGE LLC 4 5.53% $13,489
    1ST PREFERENCE MORTGAGE CORP. 4 5.50% $7,913
    BNC National Bank 4 4.13% $9,162
    HANCOCK MORTGAGE PARTNERS, LLC 4 5.78% $9,851
    MORTGAGE ACCESS CORP. 4 5.50% $11,424
    FAY SERVICING, LLC 4 4.59% $9,006
    The Huntington National Bank 4 4.25% $7,746
    Neighborhood Loans, Inc. 4 5.84% $12,558
    Network Funding, L.P. 4 5.09% $10,823
    PLUS RELOCATION MORTGAGE, LLC 4 5.38% $9,854
    First Citizens National Bank 4 3.75% $6,485
    POLARIS HOME FUNDING CORP. 4 5.75% $16,116
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 6.96% $12,856
    Hamilton Mortgage Corporation 3 4.25% $6,231
    First Community Bank 3 5.92% $7,350
    COMPASS MORTGAGE, INC. 3 5.46% $11,915
    S1L, Inc. 3 5.79% $12,248
    Notre Dame Federal Credit Union Corporation 3 5.50% $9,051
    LOANFLIGHT LENDING, LLC 3 5.50% $11,248
    Bell Bank 3 5.13% $9,720
    Franklin Loan Corporation 3 5.83% $15,831
    CLEARPATH LENDING 3 3.54% $8,477
    UNIVERSITY LENDING GROUP, LLC 3 3.92% $6,901
    NMSI, INC. 3 4.13% $11,255
    Pinnacle Bank 3 5.83% $10,770
    First Internet Bank of Indiana 3 5.58% $8,854
    CIS Financial Services, Inc. 3 3.92% $9,073
    TruHome Solutions, LLC 2 4.38% $9,921
    GEO-CORP, INC. 2 5.31% $10,974
    HAMILTON HOME LOANS, INC. 2 5.25% $12,647
    First United Bank and Trust Company 2 5.69% $11,151
    HOMESTEAD FUNDING CORP. 2 6.00% $10,797
    HOMEXPRESS MORTGAGE CORP. 2 4.88% $13,938
    INTELLILOAN, INC. 2 4.31% $10,245
    INTERCAP LENDING INC. 2 5.63% $16,411
    INTERCOASTAL MORTGAGE COMPANY 2 4.81% $14,193
    JMAC LENDING, INC. 2 3.56% $7,171
    JMJ FINANCIAL GROUP 2 4.69% $15,506
    Kwik Mortgage Corporation 2 4.63% $8,332
    First-Citizens Bank & Trust Company 2 3.69% $6,488
    Meridian Bank Corporation 2 4.50% $11,116
    Encompass Lending Group, LP 2 5.88% $11,320
    CREDIT UNION FINANCIAL SERVICES, LLC 2 5.25% $5,640
    NBH Bank 2 5.31% $7,074
    NJ LENDERS CORP. 2 7.06% $9,017
    NORWICH COMMERCIAL GROUP, INC. 2 5.00% $10,205
    NP, Inc. 2 4.56% $15,428
    NTFN, INC. 2 6.38% $10,272
    NVR Mortgage Finance, Inc. 2 5.19% $14,689
    Commerce Home Mortgage, Inc. 2 6.00% $11,053
    Colonial Savings, F.A. 2 5.00% $15,029
    PREMIA MORTGAGE, LLC 2 5.25% $7,133
    Centennial Bank 2 5.13% $11,344
    SIRVA MORTGAGE, INC. 2 4.50% $7,410
    Southern First Bank 2 4.69% $9,159
    Atlantic Coast Mortgage, LLC 2 5.38% $11,417
    Arvest Bank 2 5.63% $7,405
    TIDEWATER MORTGAGE SERVICES, INC. 2 5.63% $9,521
    AMERICA'S CHOICE HOME LOANS LP 2 3.56% $9,872
    GSF Mortgage Corporation 2 6.13% $15,375
    Trustmark National Bank 2 5.06% $9,702
    United Fidelity Funding Corp. 2 6.31% $17,827
    University Bank 2 5.81% $13,960
    V.I.P. MORTGAGE, INC. 2 4.44% $12,095
    SmartBank 1 2.75% $9,493
    CHAMPIONS MORTGAGE LLC 1 3.00% $20,274
    First Mortgage Solutions, LLC 1 2.63% $10,249
    SOUTHERN TRUST MORTGAGE, LLC 1 4.75% $8,988
    Preston Home Loans Inc 1 7.50% $11,350
    SouthPoint Bank 1 3.75% $8,945
    Presidential Bank, FSB 1 5.25% $8,583
    Axos Bank 1 4.50% $7,231
    CITYWIDE HOME LOANS, LLC 1 5.25% $9,316
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.63% $12,210
    Orion Federal Credit Union 1 4.63% $9,740
    STEARNS LENDING, LLC 1 3.50% $5,684
    NexBank 1 4.13% $9,648
    Home State Bank 1 4.75% $8,977
    NATION ONE MORTGAGE CORPORATION 1 6.50% $21,312
    MYCUMORTGAGE, LLC 1 2.88% $7,015
    MORTGAGEONE, INC. 1 5.63% $11,679
    George Mason Mortgage, LLC 1 4.99% $10,309
    EVANSVILLE TEACHERS 1 3.75% $11,323
    MORTGAGE EQUITY PARTNERS LLC 1 4.25% $12,026
    The Central Trust Bank 1 4.75% $12,731
    FAIR WAY LENDING LLC 1 5.75% $12,770
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.75% $9,445
    MASON MCDUFFIE MORTGAGE CORPORATION 1 3.13% $6,225
    LENOX FINANCIAL MORTGAGE CORPORATION 1 3.50% $6,115
    LENDING 3, INC. 1 6.75% $2,800
    Watermark Capital, Inc. 1 5.25% $6,234
    HOME SOLUTION LENDERS INC. 1 7.13% $13,695
    American Security Mortgage Corp. 1 3.38% $6,271
    Legends Bank 1 3.88% $6,469
    LEGEND LENDING CORPORATION 1 6.25% $7,274
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.25% $13,618
    A&D Mortgage LLC 1 3.75% $6,401
    FIRST HOME MORTGAGE CORPORATION 1 4.25% $22,220
    Truliant Federal Credit Union 1 4.50% $9,857
    First Vision Bank of Tennessee 1 6.13% $11,333
    KINECTA 1 4.75% $13,528
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 4.75% $13,820
    American Mortgage Bank, LLC 1 6.13% $10,703
    First Western Trust Bank 1 6.13% $6,928
    First International Bank & Trust 1 5.50% $15,076
    FIRST MORTGAGE COMPANY, INC. 1 4.25% $19,555
    AMERICAN BANCSHARES MORTGAGE, LLC 1 4.00% $14,682
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.75% $11,084
    INLANTA MORTGAGE, INC. 1 6.13% $6,654
    Independent Bank 1 7.13% $7,048
    INB 1 5.25% $6,563
    Alerus Financial 1 5.13% $9,932
    ALAMEDA MORTGAGE CORPORATION 1 5.25% $10,937
    ROSS MORTGAGE CORPORATION 1 5.13% $10,758
    RESOURCE FINANCIAL SERVICES, INC. 1 4.50% $12,392
    BEST CAPITAL FUNDING 1 3.63% $10,183
    Semper Home Loans, Inc. 1 3.75% $11,597
    ServisFirst Bank 1 7.00% $14,418
    Bethpage Federal Credit Union 1 3.00% $2,476
    BRIDGELOCK CAPITAL 1 2.99% $8,983
    Carrollton Bank 1 5.13% $10,415
    Simmons Bank 1 6.13% $10,149
    IMPAC MORTGAGE CORP. 1 5.25% $9,482
    SIWELL, INC. 1 2.25% $2,742

    The top Georgia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 4,184 FHA loans originated. Their average total fees are $10,176, which is $1,006 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

    The lowest fee Georgia FHA lenders (with over 10 loans originated) are OCEANSIDE MORTGAGE COMPANY ($5,137), GMFS LLC ($6,364), Wells Fargo Bank ($6,518), INTERLINC MORTGAGE SERVICES, LLC ($6,578) and VILLAGE CAPITAL MORTGAGE ($6,737).

    The lowest rate Georgia FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (3.90%), DRAPER AND KRAMER MORTGAGE CORP. (3.93%), First Guaranty Mortgage Corporation (4.01%), ISERVE RESIDENTIAL LENDING, LLC (4.07%) and Citizens Bank (4.09%).

    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).