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3.5% Alabama FHA Mortgage Lenders Min 580 FICO!!

Alabama FHA Mortgage Lenders- Alabama FHA Home Loans!

SAME DAY APPROVALS

FHA loans have been helping Alabama residents since 1934.  An Alabama  FHA Mortgage Lender can offer you a better Mortgage Deal including:

  • Lower down payments (if any)
  • Lower closing costs
  • Easier credit qualifying
  • Same Day Pre Approvals!

Alabama  FHA MORTGAGE LENDERS:

  • Down payment only 3.5% of the purchase price.
  • Gifts from family or FHA Grants for down payment assistance and closing costs OK!
  • Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
  • No reserves or future payments in account required.
  • FHA regulated closing costs.
  • Read more about buying a home with an FHA mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family – 

Alabama FHA MORTGAGE LOANS ARE  EASIER BECAUSE:

  • 12 months after a chapter 13 Bankruptcy FHA mortgage Lender approvals!
  • 24 months after a chapter 7 Bankruptcy FHA mortgage Lender approvals!
  • 3 years after a Foreclosure FHA mortgage Lender approvals!
  • No Credit Score FHA mortgage Lender approvals!
  • 580 required for 96.5% financing or 3.5% down payment FHA mortgage Lender approvals.
  • 500 required for 90% financing or 10% down payment FHA mortgage Lender approvals.
  • BAD CREDIT GEORGIA with minimum 500 FICO credit score with 10% Down Payment FHA. For FHA mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
  • Read more about FHA Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –

Alabama FHA MORTGAGE DEBT TO INCOME & EASIER JOB QUALIFYING

Whether you’re a first time Georgia home buyer, moving to a new home, or want to FHA refinance your existing conventional or Florida mortgage, we will show you how to purchase or refinance a home with flexible guidelines. Good Credit – Bad Credit – No Credit + No Problem + We work with everyone towards home ownership!

Alabama FHA MORTGAGE TOPICS OF INTEREST

When you decide to apply for a Alabama  FHA mortgage you need to know you’re dealing with experienced full-time mortgage lending professionals who know GA real estate. We offer a huge assortment of Alabama  FHA, VA, Conventional & Private Alabama  mortgage programs built around Georgia home buyers and homeowners.

Whether you’re buying a first Alabama  home using our great FHA mortgage program or refinancing a home you already own using traditional FHA mortgage financing, nothing helps more than having a seasoned Alabama  FHA mortgage lender working hard answer all your Florida FHA mortgage questions!

Alabama  Home Buyer Initial Questions

  • What is the minimum down payment for FHA Mortgage? Currently, 3.5% can from family gift or grant.
  • Can my parents or other relatives give me money? Yes, provided the money is considered a gift and your relative sign and date the proper gift letter documentation.
  • Is there a maximum FHA Mortgage Loan Amount? Yes, see maximum loan limits below based on the Georgia county.
  • What is an FHA Mortgage loan? The FHA is a division of the Department of (HUD) Housing and Urban Development. An FHA mortgage loan is a mortgage that is insured by the Federal Housing Administration (FHA) and funded by private Georgia FHA approved mortgage lenders.
  • Are FHA mortgage for Georgia first time home buyers only? NO, FHA mortgage loans are NOT only for Georgia firsttime buyers only. FHA loans can be used by first time buyers and repeat buyers alike. The FHA mortgage is often marketed as a product for “firsttime buyers” because of its low down payment and flexible qualifying requirements. FHA mortgage applicants can purchase an FHA approved investment property using and FHA mortgage loan.
  • How Does The FHA Mortgage Insurance Work? Anyone who takes out an FHA mortgage finances the  insurance into the FHA mortgage loan amount. This “Up Front Mortgage Insurance ” cost is called the “UFMIP”. The upfront mortgage insurance premium paid on all FHA mortgages is paid to the government and use the funding fee money to reimburse Georgia FHA Mortgage lenders who were forced to foreclose on mortgages that were financed to bad credit mortgage applicants. Think of the funding fee as the foreclosure “insurance fund” for the FHA Georgia Mortgage Lenders. In addition to the upfront funding fee, the borrower is also required to pay a small monthly fee to the FHA as part of their monthly mortgage payment. The monthly fee is called monthly MIP or mortgage insurance premium.
  • Do I have to be a Georgia first time mortgage buyer to use the FHA mortgage? No you do not have to be a first time Georgia home buyer but the FHA mortgage is only for a Primary Georgia home purchase only.
  • Can I roll all the closing costs into the FHA mortgage? You are permitted to finance the upfront FHA funding fee only. FHA mortgage closing costs can be paid by the seller up to 6% and must be negotiated up front in your purchase and sale agreement.
  • Can I get an FHA Mortgage after a Foreclosure or Bankruptcy? YES! you can qualify for an FHA mortgage 3 years after the title was transferred out of your name.A borrower may also still qualify for an FHA insured loan after declaring Chapter 13 bankruptcy, if at least 1 year of the bankruptcy payout period has passed and the borrower has been making satisfactory payments. In these cases, the FHA mortgage applicant must also request permission from the court to enter into a new FHA mortgage loan. declaring Chapter 7 bankruptcy, if at least 2 years have passed since the bankruptcy discharge date. FHA mortgage applicants must also have re-established good credit or have opted to incur no new debts (this means you specifically chose to take out no new loans, credit cards, etc.)

Alabama FHA Mortgage Programs:

All Alabama Property Types Including:

  1. Single family Homes
  2. Town House- check for lot and/or block legal descriptions.
  3. Villas- check for lot and/or block legal descriptions.
  4. Modular Homes
  5. Manufactured homes
  6. FHA Approved condominium – Search Florida FHA Approved Condos

FHA Mortgage Loans Make It Easier to Buyer A Alabama Home

The FHA mortgage is so popular is because Georgia mortgage applicants  use them are able to take advantage of benefits and protections unavailable with any other mortgage loan program. Loans through the FHA are insured by the government, so the Georgia mortgage lenders that approve these loans are more lenient. The advantages are outweigh any other mortgage program and include and include the following:

  • Lower Cost & Fees- In addition to lower interest rates, FHA borrowers enjoy lower costs on other fees like closing costs, FHA mortgage insurance and  govt regulated closing cost.
  • Easier to Qualify- While most mortgage loans prohibit applicants with bad credit history and low credit scores, the FHA mortgage loans available with lower requirements so its easier for you to qualify.
  • Lowest  Interest Rates- You’ve heard the horror stories of subprime borrowers who couldn’t keep up with their mortgage interest rates. Well, FHA loans usually offer lower interest rates to help homeowners afford housing payments.
  • Bankruptcy / Foreclosure- Even If you’ve filed for bankruptcy or suffered a foreclosure in the past few years doesn’t mean you’re excluded from qualifying for an FHA loan. As long as you meet other requirements that satisfy the FHA, such as re-establishment of good credit, solid payment history, etc., you can still qualify.
  • No Credit Score/ No Trade Lines OK! – The FHA usually requires two lines of credit for qualifying applicants. If you don’t have a sufficient credit history, you can try to qualify through a substitute form.

For many Georgia FHA mortgage applicants, using an FHA mortgage can really make the difference between owning your dream house affordability and getting out of the never ending rental trap. The FHA mortgage provides a wealth of benefits for Georgia mortgage applicants that qualify, so please make full use of them.

  • We provide free credit counseling to and work with everyone to get PRE APPROVED!
Can a real estate agent gift me their commission for the FHA mortgage down payment?
Are copies of tax returns required for an FHA mortgage for a borrower with self-employment or commission income?
How are disputed credit accounts considered for manually FHA mortgage approvals?
How can FHA help me qualify for a mortgage?
What are the basic requirements for FHA mortgage loan?
What’s the Minimum Credit Score required for FHA mortgage approval?
What Is The Importance Of Credit When You Apply For An FHA Loan?
I Heard The FHA Loan Is Only For 1st Time Buyers, Is That True?
My Mortgage Company Says I Should Not Consider The FHA Program. Why Should I Listen To You And Not Them?
I Want To Improve My Mortgage Term. Can I Refinance My FHA Loan Now?
How Soon Can I Refinance To A New Home Loan?
How Often Can I Refinance My Home?
How Can I Refinance My Home When I Have Credit Problems?
Where Can I Refinance My Home If I’m Late On My Mortgage?
Am I eligible for FHA mortgage loan if i have no credit score?
Do deferred student loan obligations be included in the FHA mortgage applicants liabilities?
Do FHA mortgage loans allow gifts of equity?
Does FHA require collections to be paid off for a FHA mortgage approval?
How do FHA Mortgage Lenders determine the monthly payment on a student loan?
What are the FHA guidelines for FHA mortgage applicants with a previous foreclosure or deed-in-lieu of foreclosure?

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3.5% Alabama FHA Mortgage Lenders Min 580 FICO!!

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3.5% Alabama FHA Mortgage Lenders Min 580 FICO!! Same Day FHA, VA, Bad Credit Alabama Mortgage Loans Pre Approvals Call Now 954-667-9110.

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Alabama – FHA MORTGAGE LENDERS

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Alabama Cities by Population List, City, Population. 1, Birmingham, 212,157. 2, Montgomery, 200,022. 3, Huntsville, 193,079. 4, Mobile, 192,904. 5, Tuscaloosa …

3.5% Down Alabama FHA Mortgage Lenders Min 580 FICO!!

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Alabama FHA Mortgage Lenders– Alabama FHA Home Loans! SAME DAY APPROVALSFHA loanshave been helping Alabama residents since 1934.

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Alabama Cities by Population
1 Birmingham Alabama 212,157
2 Montgomery 200,022
3 Huntsville 193,079
4 Mobile 192,904
5 Tuscaloosa 99,543
6 Hoover Alabama 84,978
7 Dothan 68,468
8 Auburn 63,118
9 Decatur 55,072
10 Madison 47,959
11 Florence Alabama 39,959
12 Phenix City 37,132
13 Gadsden 35,837
14 Prattville 35,606
15 Vestavia Hills 34,688
16 Alabaster 32,948
17 Opelika 29,869
18 Enterprise 28,024
19 Bessemer 26,511
20 Daphne 25,913
21 Homewood 25,613
22 Athens 25,393
23 Northport 25,045
24 Pelham 23,050
25 Prichard 22,185
26 Anniston 22,112
27 Albertville Alabama 21,525
28 Trussville 21,422
29 Oxford 21,120
30 Mountain Brook 20,590
31 Fairhope 19,421
32 Troy 19,191
33 Selma 18,983
34 Helena 18,673
35 Tillmans Corner 18,620
36 Foley 17,607
37 Center Point 16,496
38 Hueytown 15,561
39 Cullman 15,496
40 Talladega 15,451
41 Millbrook 15,413
42 Alexander City 14,773
43 Scottsboro Alabama 14,677
44 Ozark 14,610
45 Hartselle 14,471
46 Fort Payne 14,099
47 Jasper 14,003
48 Saraland 13,942
49 Muscle Shoals 13,831
50 Pell City 13,794
51 Gardendale 13,783
52 Calera 13,489
53 Moody 12,823
54 Jacksonville 12,657
55 Sylacauga 12,540
56 Eufaula 12,404
57 Irondale 12,359
58 Chelsea 12,341
59 Leeds 11,940
60 Gulf Shores 11,689
61 Fairfield 10,807
62 Saks 10,777
63 Pleasant Grove 10,177
64 Atmore 10,022
65 Russellville 9,815
66 Boaz 9,710
67 Forestdale 9,679
68 Clay 9,587
69 Rainbow City 9,531
70 Valley 9,377
71 Bay Minette 9,312
72 Fultondale 9,084
73 Sheffield Alabama 9,025
74 Andalusia 8,968
75 Clanton 8,846
76 Pike Road 8,777
77 Tuskegee 8,722
78 Southside 8,600
79 Meadowbrook 8,534
80 Guntersville 8,437
81 Tuscumbia 8,434
82 Arab 8,340
83 Spanish Fort 8,327
84 Wetumpka 8,219
85 Greenville 7,781
86 Pinson 7,426
87 Demopolis 7,019
88 Hamilton 6,739
89 Montevallo 6,723
90 Oneonta 6,699
91 Brook Highland 6,604
92 Opp 6,586
93 Meridianville 6,568
94 Moores Mill 6,493
95 Lincoln 6,491
96 Lanett 6,393
97 Tarrant 6,268
98 Theodore 6,221
99 Satsuma 6,193
100 Monroeville 6,072
101 Robertsdale 5,990
102 Roanoke 5,984
103 Orange Beach 5,981
104 Chickasaw 5,908
105 Attalla 5,865
106 Brewton 5,432
107 Smiths Station 5,341
108 Midfield 5,171
109 Glencoe 5,135
110 Daleville 5,101
111 Harvest 5,080
112 Rainsville 5,015
113 Childersburg 4,997
114 Brent 4,919
115 Jackson 4,907
116 Grayson Valley 4,872
117 Highland Lakes 4,860
118 Tallassee 4,759
119 Headland 4,741
120 Fort Rucker 4,681
121 Piedmont 4,666
122 Margaret 4,633
123 Columbiana Alabama 4,539
124 Winfield 4,531
125 Fayette 4,432
126 Geneva 4,424
127 Adamsville 4,360
128 Hokes Bluff 4,277
129 Holtville 4,271
130 Springville 4,251
131 Mount Olive CDP 4,237
132 Argo 4,213
133 Semmes 4,155
134 Redland 4,112
135 Haleyville 4,074
136 Thomasville 4,002
137 Alexandria 3,980
138 Pine Level 3,918
139 Elba 3,893
140 Citronelle 3,885
141 Grand Bay 3,841
142 Union Springs 3,749
143 Odenville 3,743
144 Valley Grande 3,741
145 Holt 3,728
146 Underwood-Petersville 3,723
147 Evergreen 3,693
148 Centre 3,555
149 West End-Cobb Town 3,550
150 Cottondale 3,546
151 Heflin 3,474
152 Livingston 3,454
153 Marion 3,432
154 Moulton 3,343
155 Priceville 3,297
156 Hanceville 3,288
157 Warrior 3,192
158 Hazel Green 3,188
159 Emerald Mountain 3,134
160 Dadeville 3,128
161 Red Bay 3,119
162 Weaver 3,076
163 Ladonia 3,036
164 La Fayette 2,968
165 Kimberly 2,964
166 Clayton 2,904
167 Brighton 2,833
168 Luverne 2,825
169 New Hope 2,803
170 Eutaw 2,749
171 Centreville 2,708
172 Choccolocco 2,663
173 Carlisle-Rockledge 2,646
174 Hartford 2,638
175 Jemison 2,616
176 Abbeville 2,603
177 Smoke Rise 2,556
178 Indian Springs Village 2,544
179 Bayou La Batre 2,513
180 Moundville 2,436
181 East Brewton 2,415
182 Sumiton 2,407
183 Taylor 2,393
184 Uniontown 2,388
185 York 2,373
186 Midland City 2,366
187 Greensboro 2,365
188 Aliceville 2,357
189 Henagar 2,339
190 Bridgeport 2,337
191 Selmont-West Selmont 2,335
192 Riverside Alabama 2,316
193 Lineville 2,306
194 Guin 2,305
195 Whitesboro 2,290
196 Good Hope 2,288
197 Ashville 2,275
198 Point Clear 2,272
199 Huguley 2,257
200 Lake View 2,247
201 Kinsey 2,187
202 Trinity 2,164
203 Ashford 2,149
204 Lipscomb 2,133
205 Vincent 2,118
206 Graysville 2,107
207 Thorsby 2,052
208 Loxley 2,017
209 Cordova 2,014
210 Level Plains 2,006
211 Cowarts 1,994
212 Marbury 1,989
213 Linden 1,988
214 Wilsonville 1,987
215 Stevenson 1,977
216 Brundidge 1,972
217 Ashland 1,971
218 Carbon Hill 1,964
219 Collinsville 1,963
220 Creola 1,961
221 Slocomb 1,956
222 Florala 1,952
223 Dora 1,946
224 Morris 1,933
225 Camden 1,919
226 Samson 1,912
227 Vernon 1,896
228 Owens Cross Roads 1,852
229 Sylvania 1,850
230 Sulligent 1,849
231 Crossville 1,841
232 Concord 1,837
233 Brookwood 1,827
234 Coats Bend 1,811
235 Cedar Bluff 1,790
236 Butler 1,773
237 Sardis City 1,771
238 Stewartville 1,765
239 Ballplay 1,748
240 Ragland 1,697
241 Blountsville 1,694
242 Harpersville 1,680
243 Elberta 1,679
244 Gordo 1,672
245 Georgiana 1,653
246 Coaling 1,642
247 Reform 1,616
248 Redstone Arsenal 1,584
249 Woodstock 1,569
250 Westover 1,542
251 Stapleton 1,538
252 Lookout Mountain 1,513
253 Mount Vernon 1,510
254 Sylvan Springs 1,509
255 Vance 1,501
256 Rehobeth 1,482
257 Grove Hill 1,478
258 Hackleburg 1,477
259 Clio 1,470
260 Newton 1,459
261 Shoal Creek 1,448
262 Fayetteville and Malvern 1,437
263 Rock Creek 1,430
264 Blue Ridge 1,414
265 Flomaton 1,408
266 Webb 1,396
267 Ardmore 1,382
268 Shelby 1,374
269 Hayden 1,338
270 Goodwater 1,324
271 Brookside 1,323
272 Cleveland 1,313
273 Elmore 1,307
274 Lillian 1,298
275 Phil Campbell Alabama 1,273
276 Tidmore Bend 1,266
277 West Blocton 1,263
278 Dauphin Island 1,261
279 Falkville 1,260
280 Cottonwood 1,255
281 Munford 1,249
282 Coosada and Summerdale 1,244
283 Chatom 1,231
284 Fort Deposit 1,228
285 Rogersville 1,220
286 Frisco City 1,212
287 New Market 1,201
288 Locust Fork 1,192
289 Deatsville and New Brockton 1,157
290 Minor 1,140
291 Ohatchee and New Union 1,138
292 Brantleyville 1,110
293 Berry 1,099
294 Steele 1,086
295 Town Creek 1,069
296 Dunnavant 1,063
297 Double Springs Alabama 1,051
298 Bear Creek 1,041
299 Mignon 1,032
300 Eclectic 1,026
301 Fyffe 1,017
302 Cherokee 1,009
303 Leesburg 1,008
304 Millport 999
305 Axis 992
306 Coker 985
307 Littleville 981
308 Carrollton 980
309 Killen 977
310 Camp Hill 975
311 Hollywood 970
312 Parrish 960
313 Powell and Vandiver 954
314 Mosses 945
315 Altoona 919
316 White Plains 915
317 Pine Hill 912
318 Grant 907
319 Edgewater 899
320 Geraldine 898
321 Gallant 896
322 Egypt 885
323 Brilliant 879
324 Sterrett 865
325 Autaugaville 854
326 Hayneville 853
327 Notasulga 850
328 Snead 841
329 Hollins 834
330 Skyline 833
331 Mulga 822
332 Holly Pond 815
333 Wedowee 806
334 White Hall 804
335 Silverhill and Magnolia Springs 802
336 Jacksons’ Gap and Brantley 801
337 Gurley 786
338 Hollis Crossroads 774
339 Susan Moore 769
340 Douglas and Hobson City 761
341 South Vinemont and Ivalee 758
342 Section, New Site, Hissop, and Oakman 754
343 Ariton 741
344 Addison 738
345 Wadley 737
346 Woodville 730
347 Columbia 729
348 Lexington 718
349 Somerville 712
350 Ider and Calvert 711
351 Pisgah and Leighton 707
352 Maplesville 703
353 Leroy 700
354 Stockton 687
355 Wilton 682
356 Walnut Grove and Bellamy 681
357 Perdido 669
358 Excel 665
359 Bon Secour 650
360 Belle Fontaine 649
361 Perdido Beach 641
362 Lynn 638
363 Reece City 628
364 Pinckard, Trafford, Baileyton, and Allgood 627
365 North Courtland 614
366 Dodge City 606
367 Babbie 600
368 Courtland 599
369 Forkland 597
370 West Point 596
371 Hurtsboro 593
372 St. Florian 591
373 Pickensville 574
374 Clayhatchee 573
375 Rock Mills 558
376 Sand Rock 555
377 Castleberry 551
378 Valley Head 550
379 Grimes 542
380 Kinston 539
381 Triana 529
382 River Falls 523
383 Millry 522
384 Hillsboro 521
385 McDonald Chapel 519
386 Newville 517
387 Lockhart 514
388 Oak Grove 511
389 Eva and McKenzie 508
390 Avon 505
391 Lisman and Garden City 498
392 Glen Allen 492
393 Red Level and Hammondville 485
394 Louisville 477
395 Midway 476
396 Bristow Cove 475
397 Elkmont 469
398 Joppa 467
399 Fairview and Rutledge 458
400 Our Town 447
401 Rockford 444
402 Kennedy 429
403 Shorter 427
404 Silas 426
405 Highland Lake 425
406 Sipsey 424
407 Pleasant Groves and Ray 411
408 Ranburne 407
409 Fredonia 392
410 Thomaston 391
411 Twin 387
412 St. Stephens 382
413 Maytown 371
414 Mentone 366
415 Reeltown 363
416 Eunola 362
417 Vina 356
418 Arley 350
419 Hytop 346
420 Nectar, Napier Field, and Vinegar Bend 344
421 Madrid and Hackneyville 338
422 Akron and Coffeeville 334
423 Dozier and West Jefferson 331
424 Gordon 327
425 Nances Creek 321
426 Rosa 318
427 Cuba 317
428 Weogufka 315
429 Dutton 308
430 Boligee 306
431 Gordonville and Morrison Crossroads 302
432 Malcolm 300
433 Carolina 296
434 Vredenburgh 293
435 Hodges 284
436 Beatrice 283
437 Pine Ridge 282
438 Fruithurst 280
439 Millerville 277
440 Waldo and Anderson 276
441 Mount Olive 275
442 Colony and Shiloh 274
443 Repton 266
444 Langston 264
445 Bakerhill 261
446 County Line and Delta 260
447 Fulton 258
448 Goshen and Heath 255
449 Boykin 247
450 Sanford 245
451 Sweet Water and Gulfcrest 242
452 Graham 232
453 Horn Hill, Detroit, and Coffee Springs 227
454 McIntosh 225
455 Fruitdale, Gantt, and Union 221
456 Uriah 220
457 Kansas 219
458 Nauvoo 211
459 Providence 210
460 Peterman and Daviston 209
461 Belk, Black, and Pennington 207
462 Paint Rock 205
463 Gilbertown 203
464 Edwardsville 202
465 Loachapoka 199
466 Waterloo 198
467 Kellyton 197
468 Gainesville 195
469 Deer Park and Chunchula 192
470 Glenwood 188
471 Beaverton 187
472 Orrville 186
473 Woodland and Onycha 183
474 Riverview 182
475 Epes 181
476 Newbern 178
477 Yellow Bluff 176
478 Banks 173
479 Penton 172
480 Gu-Win 170
481 Talladega Springs 162
482 Geiger 159
483 Macedonia 155
484 Spruce Pine 152
485 Abanda 151
486 Waverly 148
487 Lakeview and Gaylesville 143
488 Billingsley and North Johns 141
489 Five Points and Hobson 140
490 Pollard 135
491 East Point 133
492 Franklin 132
493 Toxey 129
494 Eldridge 127
495 Pine Apple 125
496 Cusseta 123
497 Lester, Myrtlewood, and Broomtown 122
498 Spring Garden 120
499 Cullomburg 116
500 Libertyville 114
501 Bon Air 113
502 Movico 111
503 Putnam and Lowndesboro 107
504 Ridgeville 105
505 Haleburg 101
506 Faunsdale 92
507 Blue Springs 91
508 Hatton 90
509 Needham 89
510 Fairford 88
511 Belgreen 82
512 Union Grove 79
513 Ethelsville and Sims Chapel 73
514 Standing Rock 71
515 Fitzpatrick 70
516 Megargel 63
517 Mooresville and Petrey 58
518 Cardiff 54
519 Goldville 53
520 Bucks 51
521 Emelle 50
522 Dayton 49
523 Rockville 48
524 Benton 46
525 Nanafalia 41
526 Natural Bridge 36
527 Memphis 28
528 Tibbie 26
529 Oak Hill 25
530 Carlton 24
531 Whatley 23
532 Catherine 17
533 McMullen 9
534 Panola 5

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