THE FHA IN GEORGIA

FHA loans have been helping Georgia residents since 1934 

 

A licensed Georgia FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


Georgia First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Georgia with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Georgia FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Georgia FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Georgia FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Georgia FHA Lending Limits 2022

Georgia Median Home Sale Price Price $171,000

 

County Name Single Duplex 3 Unit 4 Unit
APPLING $275,665 $352,950 $426,625 $530,150
ATKINSON $275,665 $352,950 $426,625 $530,150
BACON $275,665 $352,950 $426,625 $530,150
BAKER $275,665 $352,950 $426,625 $530,150
   ALBANY, GA
BALDWIN $275,665 $352,950 $426,625 $530,150
   MILLEDGEVILLE, GA
BANKS $275,665 $352,950 $426,625 $530,150
BARROW $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
BARTOW $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
BEN HILL $275,665 $352,950 $426,625 $530,150
   FITZGERALD, GA
BERRIEN $275,665 $352,950 $426,625 $530,150
BIBB $275,665 $352,950 $426,625 $530,150
   MACON, GA
BLECKLEY $275,665 $352,950 $426,625 $530,150
BRANTLEY $275,665 $352,950 $426,625 $530,150
   BRUNSWICK, GA
BROOKS $275,665 $352,950 $426,625 $530,150
   VALDOSTA, GA
BRYAN $275,665 $352,950 $426,625 $530,150
   SAVANNAH, GA
BULLOCH $275,665 $352,950 $426,625 $530,150
   STATESBORO, GA
BURKE $275,665 $352,950 $426,625 $530,150
   AUGUSTA-RICHMOND , GA-SC
BUTTS $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
CALHOUN $275,665 $352,950 $426,625 $530,150
   NON-METRO
CAMDEN $275,665 $352,950 $426,625 $530,150
   ST. MARYS, GA
CANDLER $275,665 $352,950 $426,625 $530,150
CARROLL $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
CATOOSA $275,665 $352,950 $426,625 $530,150
   CHATTANOOGA, TN-GA
CHARLTON $275,665 $352,950 $426,625 $530,150
CHATHAM $275,665 $352,950 $426,625 $530,150
   SAVANNAH, GA
CHATTAHOOCHEE $289,800 $371,000 $448,450 $557,300
   COLUMBUS, GA-AL
CHATTOOGA $275,665 $352,950 $426,625 $530,150
   SUMMERVILLE, GA
CHEROKEE $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
CLARKE $320,850 $410,750 $496,500 $617,000
   ATHENS-CLARKE , GA
CLAY $275,665 $352,950 $426,625 $530,150
CLAYTON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
CLINCH $275,665 $352,950 $426,625 $530,150
COBB $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
COFFEE $275,665 $352,950 $426,625 $530,150
   DOUGLAS, GA
COLQUITT $275,665 $352,950 $426,625 $530,150
   MOULTRIE, GA
COLUMBIA $275,665 $352,950 $426,625 $530,150
   AUGUSTA-RICHMOND , GA-SC
COOK $275,665 $352,950 $426,625 $530,150
COWETA $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
CRAWFORD $275,665 $352,950 $426,625 $530,150
   MACON, GA
CRISP $275,665 $352,950 $426,625 $530,150
   CORDELE, GA
DADE $275,665 $352,950 $426,625 $530,150
   CHATTANOOGA, TN-GA
DAWSON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
DECATUR $275,665 $352,950 $426,625 $530,150
   BAINBRIDGE, GA
DEKALB $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
DODGE $275,665 $352,950 $426,625 $530,150
DOOLY $275,665 $352,950 $426,625 $530,150
DOUGHERTY $275,665 $352,950 $426,625 $530,150
   ALBANY, GA
DOUGLAS $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
EARLY $275,665 $352,950 $426,625 $530,150
   NON-METRO
ECHOLS $275,665 $352,950 $426,625 $530,150
   VALDOSTA, GA
EFFINGHAM $275,665 $352,950 $426,625 $530,150
   SAVANNAH, GA
ELBERT $275,665 $352,950 $426,625 $530,150
EMANUEL $275,665 $352,950 $426,625 $530,150
EVANS $275,665 $352,950 $426,625 $530,150
FANNIN $275,665 $352,950 $426,625 $530,150
FAYETTE $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
FLOYD $275,665 $352,950 $426,625 $530,150
   ROME, GA
FORSYTH $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
FRANKLIN $275,665 $352,950 $426,625 $530,150
FULTON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
GILMER $275,665 $352,950 $426,625 $530,150
GLASCOCK $275,665 $352,950 $426,625 $530,150
GLYNN $275,665 $352,950 $426,625 $530,150
   BRUNSWICK, GA
GORDON $275,665 $352,950 $426,625 $530,150
   CALHOUN, GA
GRADY $275,665 $352,950 $426,625 $530,150
GREENE $515,200 $659,550 $797,250 $990,800
GWINNETT $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
HABERSHAM $275,665 $352,950 $426,625 $530,150
   CORNELIA, GA
HALL $275,665 $352,950 $426,625 $530,150
   GAINESVILLE, GA
HANCOCK $275,665 $352,950 $426,625 $530,150
   MILLEDGEVILLE, GA
HARALSON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
HARRIS $289,800 $371,000 $448,450 $557,300
   COLUMBUS, GA-AL
HART $275,665 $352,950 $426,625 $530,150
HEARD $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
HENRY $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
HOUSTON $275,665 $352,950 $426,625 $530,150
   WARNER ROBINS, GA
IRWIN $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
   JEFFERSON, GA
JASPER $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
JEFF DAVIS $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
JENKINS $275,665 $352,950 $426,625 $530,150
JOHNSON $275,665 $352,950 $426,625 $530,150
   DUBLIN, GA
JONES $275,665 $352,950 $426,625 $530,150
   MACON, GA
LAMAR $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
LANIER $275,665 $352,950 $426,625 $530,150
   VALDOSTA, GA
LAURENS $275,665 $352,950 $426,625 $530,150
   DUBLIN, GA
LEE $275,665 $352,950 $426,625 $530,150
   ALBANY, GA
LIBERTY $275,665 $352,950 $426,625 $530,150
   HINESVILLE, GA
LINCOLN $275,665 $352,950 $426,625 $530,150
   AUGUSTA-RICHMOND , GA-SC
LONG $275,665 $352,950 $426,625 $530,150
   HINESVILLE, GA
LOWNDES $275,665 $352,950 $426,625 $530,150
   VALDOSTA, GA
LUMPKIN $275,665 $352,950 $426,625 $530,150
MACON $275,665 $352,950 $426,625 $530,150
   NON-METRO
MADISON $320,850 $410,750 $496,500 $617,000
   ATHENS-CLARKE , GA
MARION $289,800 $371,000 $448,450 $557,300
   COLUMBUS, GA-AL
MCDUFFIE $275,665 $352,950 $426,625 $530,150
   AUGUSTA-RICHMOND , GA-SC
MCINTOSH $275,665 $352,950 $426,625 $530,150
   BRUNSWICK, GA
MERIWETHER $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
MILLER $275,665 $352,950 $426,625 $530,150
MITCHELL $275,665 $352,950 $426,625 $530,150
MONROE $275,665 $352,950 $426,625 $530,150
   MACON, GA
MONTGOMERY $275,665 $352,950 $426,625 $530,150
   VIDALIA, GA
MORGAN $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
MURRAY $275,665 $352,950 $426,625 $530,150
   DALTON, GA
MUSCOGEE $289,800 $371,000 $448,450 $557,300
   COLUMBUS, GA-AL
NEWTON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
OCONEE $320,850 $410,750 $496,500 $617,000
   ATHENS-CLARKE , GA
OGLETHORPE $320,850 $410,750 $496,500 $617,000
   ATHENS-CLARKE , GA
PAULDING $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
PEACH $275,665 $352,950 $426,625 $530,150
   WARNER ROBINS, GA
PICKENS $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
PIERCE $275,665 $352,950 $426,625 $530,150
   WAYCROSS, GA
PIKE $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
POLK $275,665 $352,950 $426,625 $530,150
   CEDARTOWN, GA
PULASKI $275,665 $352,950 $426,625 $530,150
   WARNER ROBINS, GA
PUTNAM $275,665 $352,950 $426,625 $530,150
QUITMAN $275,665 $352,950 $426,625 $530,150
RABUN $275,665 $352,950 $426,625 $530,150
RANDOLPH $275,665 $352,950 $426,625 $530,150
RICHMOND $275,665 $352,950 $426,625 $530,150
   AUGUSTA-RICHMOND , GA-SC
ROCKDALE $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
SCHLEY $275,665 $352,950 $426,625 $530,150
   AMERICUS, GA
SCREVEN $275,665 $352,950 $426,625 $530,150
   NON-METRO
SEMINOLE $275,665 $352,950 $426,625 $530,150
SPALDING $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
STEPHENS $275,665 $352,950 $426,625 $530,150
   TOCCOA, GA
STEWART $275,665 $352,950 $426,625 $530,150
SUMTER $275,665 $352,950 $426,625 $530,150
   AMERICUS, GA
TALBOT $275,665 $352,950 $426,625 $530,150
TALIAFERRO $275,665 $352,950 $426,625 $530,150
TATTNALL $275,665 $352,950 $426,625 $530,150
   NON-METRO
TAYLOR $275,665 $352,950 $426,625 $530,150
TELFAIR $275,665 $352,950 $426,625 $530,150
TERRELL $275,665 $352,950 $426,625 $530,150
   ALBANY, GA
THOMAS $275,665 $352,950 $426,625 $530,150
   THOMASVILLE, GA
TIFT $275,665 $352,950 $426,625 $530,150
   TIFTON, GA
TOOMBS $275,665 $352,950 $426,625 $530,150
   VIDALIA, GA
TOWNS $275,665 $352,950 $426,625 $530,150
TREUTLEN $275,665 $352,950 $426,625 $530,150
   NON-METRO
TROUP $275,665 $352,950 $426,625 $530,150
   LAGRANGE, GA
TURNER $275,665 $352,950 $426,625 $530,150
TWIGGS $275,665 $352,950 $426,625 $530,150
   MACON, GA
UNION $275,665 $352,950 $426,625 $530,150
UPSON $275,665 $352,950 $426,625 $530,150
   THOMASTON, GA
WALKER $275,665 $352,950 $426,625 $530,150
   CHATTANOOGA, TN-GA
WALTON $358,800 $459,300 $555,200 $690,000
   ATLANTA-SANDY SPRINGS-ROSWELL, GA
WARE $275,665 $352,950 $426,625 $530,150
   WAYCROSS, GA
WARREN $275,665 $352,950 $426,625 $530,150
WASHINGTON $275,665 $352,950 $426,625 $530,150
WAYNE $275,665 $352,950 $426,625 $530,150
   JESUP, GA
WEBSTER $275,665 $352,950 $426,625 $530,150
WHEELER $275,665 $352,950 $426,625 $530,150
WHITE $275,665 $352,950 $426,625 $530,150
WHITFIELD $275,665 $352,950 $426,625 $530,150
   DALTON, GA
WILCOX $275,665 $352,950 $426,625 $530,150
   NON-METRO
WILKES $275,665 $352,950 $426,625 $530,150
WILKINSON $275,665 $352,950 $426,625 $530,150
WORTH $275,665 $352,950 $426,625 $530,150
   ALBANY, GA