15 articles on fha loans from Mortgage in Georgia.
One Georgia buyer, a 640 credit score and a $355,000 home. At the same rate, FHA comes out about $288 a month cheaper at first. Conventional's mortgage insurance can come off around year 12 or 13, and FHA's never does at 3.5% down.
By Mortgage in Georgia Editorial · Nov 9, 2026
FHA's rewrite of its property standards is still a draft. For older Macon homes, it drops some appraiser checks but adds a condition floor, so offers should rest on today's rules.
By Mortgage in Georgia Editorial · Nov 1, 2026
From Jan. 1, 2027, FHA lenders that pull more than one credit-score model must use the lowest one, and the weakest borrower's score still sets the terms.
By Mortgage in Georgia Editorial · Oct 14, 2026
FHA has posted a draft rewrite of its property standards that would ease rules on paint, utilities, crawl spaces and wells. The draft is not in effect yet. Here is what it would change, and what Georgia buyers looking at older homes in places like Macon and Columbus should plan for now.
By Mortgage in Georgia Editorial · Sep 30, 2026
An assumable FHA loan lets a Georgia buyer keep the seller's old rate, but the buyer has to qualify with the seller's servicer, cover the equity gap in cash or with a second loan, and plan for a slow approval process. Here is how the process works and why so many of these deals close with a new loan instead.
By Mortgage in Georgia Editorial · Sep 28, 2026
Not yet. FHA will accept VantageScore 4.0 and FICO 10T only on loans whose case number is assigned on or after January 1, 2027. Here is how that date works, what stays the same, and what Georgia Dream borrowers should check.
By Mortgage in Georgia Editorial · Sep 16, 2026
At 640 you qualify for both programs, which is exactly why the choice is hard. The real difference is that FHA prices mortgage insurance the same for everyone but rarely lets you out of it, while conventional charges you for your score and has a legal exit date.
By Mortgage in Georgia Editorial · Sep 7, 2026
FHA mortgage delinquency eased slightly to 11.79% in the second quarter of 2026 after peaking at 11.88% in Q1 — a five-year high that has stopped climbing but is aging into serious delinquency and foreclosure. Georgia, where FHA loans make up 26.7% of purchase mortgages, posted the fourth-largest state increase in delinquency and a 52% jump in foreclosure filings. Here is what changed in FHA's loss-mitigation rules, how much of the spike is a measurement artifact, and what Georgia's 30-day non-judicial clock means for borrowers who fall behind.
By Mortgage in Georgia Editorial · Aug 14, 2026
HUD's 2026 FHA loan limits draw a sharp line through Georgia. Roughly 131 counties sit at the national floor of $541,287 — the lowest FHA limit in the country — while the 28-county metro Atlanta area gets a one-unit ceiling of $718,750. Here's what the roughly $177,000 gap means before you make an offer.
By Mortgage in Georgia Editorial · Jun 26, 2026
Federal student loan relief has fully unwound — collections resumed in May 2025 and interest is accruing again. Here's how that reactivated payment lands in your back-end DTI, why it can push a Georgia first-time buyer out of FHA qualification, and the two concrete levers that move you back inside the box.
By Mortgage in Georgia Editorial · Jun 15, 2026
FHA now lets Georgia buyers count rental income from an accessory dwelling unit toward qualifying — and that income can help you buy a home today. Boarder income is also easier to use after a 2025 rule change, but there's a catch metro-Atlanta buyers keep missing: it only counts on a refinance, never on a purchase.
By Mortgage in Georgia Editorial · Jun 14, 2026
Despite headlines suggesting otherwise, FHA has not issued a Mortgagee Letter forcing lenders to count Buy Now, Pay Later balances as monthly debt. Here is the actual state of the rules, why your Klarna and Affirm balances can still hurt a Georgia FHA approval, and how to prepare before you apply.
By Mortgage in Georgia Editorial · Jun 11, 2026
HUD's 2026 HECM cap jumped to $1,249,125 — the highest in program history. For North Atlanta homeowners weighing a reverse mortgage against a 7%+ cash-out refi, the bigger envelope changes the math but not the guardrails.
By Mortgage in Georgia Editorial · Jun 8, 2026
FHA has publicly signaled it wants to repeal the 90-day rule that blocks FHA financing on quickly resold homes. It is not gone yet — here is what the rule actually does, what FHA said, and what it means for Georgia buyers looking at renovated metro-Atlanta, Augusta, and Savannah properties.
By Mortgage in Georgia Editorial · May 19, 2026
Federal student loan payments are flipping from $0 back to real numbers on credit reports, and Georgia FHA, Fannie, and Freddie files that cleared pre-approval last fall are now failing back-end DTI before close. Here is what changed, how the rules read, and what Georgia loan officers are now requiring.
By Mortgage in Georgia Editorial · May 6, 2026
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