Georgia FHA Mortgage Lenders
Considering a Mortgage? Consider FHA Mortgage Lenders!
What exactly is the Georgia FHA mortgage lender?
The FHA or Federal Housing Administration was set up as a result of the Great Depression to support the Georgia housing market. FHA mortgage lenders continues to assist home buyers who do not meet traditional financing needs, such as having a credit history or perhaps proof of income.
GEORGIA FHA MORTGAGE LENDERS
Is getting a Georgia FHA mortgage lender in Georgia difficult?
For the most part, it’s certainly not as tough as getting the typical conventional mortgage.
What types of Georgia FHA mortgage loans are provided through the Federal Housing Administration?
There are a FHA Fixed Interest rate mortgage Loans, Adjustable Rate Mortgages, and Hybrid Loans
Is there an income minimum or maximum with Georgia FHA mortgage lender?
No!
Do I need to be a first time home buyer to work with a Georgia FHA mortgage lender?
No, however many first time FHA mortgage choose the program because of the small down payment (3.5%) and seller paid settlement costs.
How doo I qualify for an Georgia FHA mortgage lender?
If you have a track record of paying your bills on time and you do not have an FHA mortgage loan, there is a good chance you will be considered for an FHA loan. Only an authorized FHA lender can assess whether or not you qualify for an FHA home loan.
Do I need a lot of cash to purchase a house with an Georgia FHA mortgage lender?
No. The FHA down payment requirement is only 3.5%. For example, sales price = $100,000 X 3.5% = $3,500
Where can the FHA down payment requirement come from for Georgia FHA mortgage lenders?
Yes! You can pay 100% of the down payment with gift money from family, relatives, or perhaps approved organizations .
Can a Georgia home seller pay my closing costs for a Georgia FHA mortgage lender?
Yes! The FHA allows the seller to pay as much as 6% of the sales price to help with the settlement fees.
Does the FHA provide funding for an Georgia FHA mortgage loan?
No. The FHA only insures the FHA mortgage loan. The Federal Housing Administration levies insurance on the FHA mortgage loan. If a Georgia homeowner defaults on a mortgage loan the FHA uses the money from these insurance premiums to reimburse the Georgia FHA mortgage lender. This really is how the FHA encourages Georgia FHA mortgage lenders to offer FHA mortgages to otherwise higher-risk applicants.
I would like to refinance. Can the FHA help me?
Yes! The FHA offers a streamline refinance mortgage program for those who currently have a FHA loan and desire to refinance to lower monthly payment. In {some cases you can do this without up front costs. You might also get a cash-out mortgage refinance whether or not or not the mortgage you are refinancing is an FHA loan. With a cash out refinance, you can get up to 85% of the value of the home.
Is there a maximum Georgia FHA mortgage amount?
No, however there is a maximum loan amount based on the Geogia county:
FHA County Loan Limits for Georgia
- Georgia One-Family is a single-family home or condominium
- Georgia Two-Family is two separate living units (duplex)
- Georgia Three-Family three separate living units (triplex)
- Georgia Four-Family four separate living units (fourplex)
| County Name | One-Family | Median Sale Price | MSA Name | MSA Code |
| APPLING | 271,050 | 45,000 | NON-METRO | 99,999 |
| ATKINSON | 271,050 | 25,000 | NON-METRO | 99,999 |
| BACON | 271,050 | 36,000 | NON-METRO | 99,999 |
| BAKER | 271,050 | 137,000 | ALBANY, GA | 10,500 |
| BALDWIN | 271,050 | 108,000 | MILLEDGEVILLE, GA | 33,300 |
| BANKS | 271,050 | 80,000 | NON-METRO | 99,999 |
| BARROW | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| BARTOW | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| BEN HILL | 271,050 | 50,000 | FITZGERALD, GA | 22,340 |
| BERRIEN | 271,050 | 53,000 | NON-METRO | 99,999 |
| BIBB | 271,050 | 102,000 | MACON, GA | 31,420 |
| BLECKLEY | 271,050 | 61,000 | NON-METRO | 99,999 |
| BRANTLEY | 271,050 | 194,000 | BRUNSWICK, GA | 15,260 |
| BROOKS | 271,050 | 128,000 | VALDOSTA, GA | 46,660 |
| BRYAN | 271,050 | 210,000 | SAVANNAH, GA | 42,340 |
| BULLOCH | 271,050 | 122,000 | STATESBORO, GA | 44,340 |
| BURKE | 271,050 | 185,000 | AUGUSTA-RICHMOND , GA-SC | 12,260 |
| BUTTS | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| CALHOUN | 271,050 | 45,000 | NON-METRO | 99,999 |
| CAMDEN | 271,050 | 118,000 | ST. MARYS, GA | 41,220 |
| CANDLER | 271,050 | 61,000 | NON-METRO | 99,999 |
| CARROLL | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| CATOOSA | 271,050 | 163,000 | CHATTANOOGA, TN-GA | 16,860 |
| CHARLTON | 271,050 | 65,000 | NON-METRO | 99,999 |
| CHATHAM | 271,050 | 210,000 | SAVANNAH, GA | 42,340 |
| CHATTAHOOCHEE | 289,800 | 171,000 | COLUMBUS, GA-AL | 17,980 |
| CHATTOOGA | 271,050 | 51,000 | SUMMERVILLE, GA | 44,900 |
| CHEROKEE | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| CLARKE | 320,850 | 260,000 | ATHENS-CLARKE , GA | 12,020 |
| CLAY | 271,050 | 54,000 | NON-METRO | 99,999 |
| CLAYTON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| CLINCH | 271,050 | 59,000 | NON-METRO | 99,999 |
| COBB | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| COFFEE | 271,050 | 63,000 | DOUGLAS, GA | 20,060 |
| COLQUITT | 271,050 | 58,000 | MOULTRIE, GA | 34,220 |
| COLUMBIA | 271,050 | 185,000 | AUGUSTA-RICHMOND , GA-SC | 12,260 |
| COOK | 271,050 | 51,000 | NON-METRO | 99,999 |
| COWETA | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| CRAWFORD | 271,050 | 102,000 | MACON, GA | 31,420 |
| CRISP | 271,050 | 80,000 | CORDELE, GA | 18,380 |
| DADE | 271,050 | 163,000 | CHATTANOOGA, TN-GA | 16,860 |
| DAWSON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| DECATUR | 271,050 | 80,000 | BAINBRIDGE, GA | 12,460 |
| DEKALB | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| DODGE | 271,050 | 40,000 | NON-METRO | 99,999 |
| DOOLY | 271,050 | 36,000 | NON-METRO | 99,999 |
| DOUGHERTY | 271,050 | 137,000 | ALBANY, GA | 10,500 |
| DOUGLAS | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| EARLY | 271,050 | 50,000 | NON-METRO | 99,999 |
| ECHOLS | 271,050 | 128,000 | VALDOSTA, GA | 46,660 |
| EFFINGHAM | 271,050 | 210,000 | SAVANNAH, GA | 42,340 |
| ELBERT | 271,050 | 50,000 | NON-METRO | 99,999 |
| EMANUEL | 271,050 | 34,000 | NON-METRO | 99,999 |
| EVANS | 271,050 | 38,000 | NON-METRO | 99,999 |
| FANNIN | 271,050 | 159,000 | NON-METRO | 99,999 |
| FAYETTE | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| FLOYD | 271,050 | 92,000 | ROME, GA | 40,660 |
| FORSYTH | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| FRANKLIN | 271,050 | 80,000 | NON-METRO | 99,999 |
| FULTON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| GILMER | 271,050 | 115,000 | NON-METRO | 99,999 |
| GLASCOCK | 271,050 | 30,000 | NON-METRO | 99,999 |
| GLYNN | 271,050 | 194,000 | BRUNSWICK, GA | 15,260 |
| GORDON | 271,050 | 96,000 | CALHOUN, GA | 15,660 |
| GRADY | 271,050 | 60,000 | NON-METRO | 99,999 |
| GREENE | 515,200 | 199,000 | NON-METRO | 99,999 |
| GWINNETT | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| HABERSHAM | 271,050 | 119,000 | CORNELIA, GA | 18,460 |
| HALL | 271,050 | 170,000 | GAINESVILLE, GA | 23,580 |
| HANCOCK | 271,050 | 108,000 | MILLEDGEVILLE, GA | 33,300 |
| HARALSON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| HARRIS | 289,800 | 171,000 | COLUMBUS, GA-AL | 17,980 |
| HART | 271,050 | 113,000 | NON-METRO | 99,999 |
| HEARD | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| HENRY | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| HOUSTON | 271,050 | 126,000 | WARNER ROBINS, GA | 47,580 |
| IRWIN | 271,050 | 52,000 | NON-METRO | 99,999 |
| JACKSON | 271,050 | 153,000 | JEFFERSON, GA | 27,600 |
| JASPER | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| JEFF DAVIS | 271,050 | 40,000 | NON-METRO | 99,999 |
| JEFFERSON | 271,050 | 33,000 | NON-METRO | 99,999 |
| JENKINS | 271,050 | 37,000 | NON-METRO | 99,999 |
| JOHNSON | 271,050 | 60,000 | DUBLIN, GA | 20,140 |
| JONES | 271,050 | 102,000 | MACON, GA | 31,420 |
| LAMAR | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| LANIER | 271,050 | 128,000 | VALDOSTA, GA | 46,660 |
| LAURENS | 271,050 | 60,000 | DUBLIN, GA | 20,140 |
| LEE | 271,050 | 137,000 | ALBANY, GA | 10,500 |
| LIBERTY | 271,050 | 138,000 | HINESVILLE, GA | 25,980 |
| LINCOLN | 271,050 | 185,000 | AUGUSTA-RICHMOND , GA-SC | 12,260 |
| LONG | 271,050 | 138,000 | HINESVILLE, GA | 25,980 |
| LOWNDES | 271,050 | 128,000 | VALDOSTA, GA | 46,660 |
| LUMPKIN | 271,050 | 140,000 | NON-METRO | 99,999 |
| MACON | 271,050 | 28,000 | NON-METRO | 99,999 |
| MADISON | 320,850 | 260,000 | ATHENS-CLARKE , GA | 12,020 |
| MARION | 289,800 | 171,000 | COLUMBUS, GA-AL | 17,980 |
| MCDUFFIE | 271,050 | 185,000 | AUGUSTA-RICHMOND , GA-SC | 12,260 |
| MCINTOSH | 271,050 | 194,000 | BRUNSWICK, GA | 15,260 |
| MERIWETHER | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| MILLER | 271,050 | 55,000 | NON-METRO | 99,999 |
| MITCHELL | 271,050 | 40,000 | NON-METRO | 99,999 |
| MONROE | 271,050 | 102,000 | MACON, GA | 31,420 |
| MONTGOMERY | 271,050 | 65,000 | VIDALIA, GA | 47,080 |
| MORGAN | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| MURRAY | 271,050 | 102,000 | DALTON, GA | 19,140 |
| MUSCOGEE | 289,800 | 171,000 | COLUMBUS, GA-AL | 17,980 |
| NEWTON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| OCONEE | 320,850 | 260,000 | ATHENS-CLARKE , GA | 12,020 |
| OGLETHORPE | 320,850 | 260,000 | ATHENS-CLARKE , GA | 12,020 |
| PAULDING | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| PEACH | 271,050 | 126,000 | WARNER ROBINS, GA | 47,580 |
| PICKENS | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| PIERCE | 271,050 | 50,000 | WAYCROSS, GA | 48,180 |
| PIKE | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| POLK | 271,050 | 75,000 | CEDARTOWN, GA | 16,340 |
| PULASKI | 271,050 | 126,000 | WARNER ROBINS, GA | 47,580 |
| PUTNAM | 271,050 | 161,000 | NON-METRO | 99,999 |
| QUITMAN | 271,050 | 43,000 | NON-METRO | 99,999 |
| RABUN | 271,050 | 115,000 | NON-METRO | 99,999 |
| RANDOLPH | 271,050 | 25,000 | NON-METRO | 99,999 |
| RICHMOND | 271,050 | 185,000 | AUGUSTA-RICHMOND , GA-SC | 12,260 |
| ROCKDALE | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| SCHLEY | 271,050 | 60,000 | AMERICUS, GA | 11,140 |
| SCREVEN | 271,050 | 40,000 | NON-METRO | 99,999 |
| SEMINOLE | 271,050 | 41,000 | NON-METRO | 99,999 |
| SPALDING | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| STEPHENS | 271,050 | 73,000 | TOCCOA, GA | 45,740 |
| STEWART | 271,050 | 41,000 | NON-METRO | 99,999 |
| SUMTER | 271,050 | 60,000 | AMERICUS, GA | 11,140 |
| TALBOT | 271,050 | 98,000 | NON-METRO | 99,999 |
| TALIAFERRO | 271,050 | 40,000 | NON-METRO | 99,999 |
| TATTNALL | 271,050 | 50,000 | NON-METRO | 99,999 |
| TAYLOR | 271,050 | 50,000 | NON-METRO | 99,999 |
| TELFAIR | 271,050 | 28,000 | NON-METRO | 99,999 |
| TERRELL | 271,050 | 137,000 | ALBANY, GA | 10,500 |
| THOMAS | 271,050 | 118,000 | THOMASVILLE, GA | 45,620 |
| TIFT | 271,050 | 119,000 | TIFTON, GA | 45,700 |
| TOOMBS | 271,050 | 65,000 | VIDALIA, GA | 47,080 |
| TOWNS | 271,050 | 128,000 | NON-METRO | 99,999 |
| TREUTLEN | 271,050 | 30,000 | NON-METRO | 99,999 |
| TROUP | 271,050 | 114,000 | LAGRANGE, GA | 29,300 |
| TURNER | 271,050 | 50,000 | NON-METRO | 99,999 |
| TWIGGS | 271,050 | 102,000 | MACON, GA | 31,420 |
| UNION | 271,050 | 110,000 | NON-METRO | 99,999 |
| UPSON | 271,050 | 45,000 | THOMASTON, GA | 45,580 |
| WALKER | 271,050 | 163,000 | CHATTANOOGA, TN-GA | 16,860 |
| WALTON | 342,700 | 297,000 | ATLANTA-SANDY SPRINGS-ROSWELL, GA | 12,060 |
| WARE | 271,050 | 50,000 | WAYCROSS, GA | 48,180 |
| WARREN | 271,050 | 30,000 | NON-METRO | 99,999 |
| WASHINGTON | 271,050 | 30,000 | NON-METRO | 99,999 |
| WAYNE | 271,050 | 58,000 | JESUP, GA | 27,700 |
| WEBSTER | 271,050 | 19,000 | NON-METRO | 99,999 |
| WHEELER | 271,050 | 41,000 | NON-METRO | 99,999 |
| WHITE | 271,050 | 120,000 | NON-METRO | 99,999 |
| WHITFIELD | 271,050 | 102,000 | DALTON, GA | 19,140 |
| WILCOX | 271,050 | 32,000 | NON-METRO | 99,999 |
| WILKES | 271,050 | 41,000 | NON-METRO | 99,999 |
| WILKINSON | 271,050 | 34,000 | NON-METRO | 99,999 |
| WORTH | 271,050 | 137,000 | ALBANY, GA | 10,500 |
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