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 6.09% for the week of 2024-03-01, compared to the national average (all FHA variants) of 6.688% for the same period.

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

The average rate for the prior week (2024-02-23) was 6.08% and one month ago for the week of 2024-01-26, the average rate was 6.08%.

The average rate one year ago was 5.91%.

For refis of the same type during the week of 2024-03-01, the average rate was 5.52%.

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 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 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).