15 articles on va loans from Mortgage in Georgia.
VA rates went from about 6.1-6.3% in July to roughly 7% in October. For most recent Georgia VA buyers, that means a streamline refinance fails the federal tests, and buying points rarely fixes it.
By Mortgage in Georgia Editorial · Oct 28, 2026
Yes, the VA home loan benefit can be used more than once. Here is how restoring and remaining entitlement work in Georgia, why the county limit is the same in all 159 counties for 2026, and when the funding fee goes up on a second loan.
By Mortgage in Georgia Editorial · Oct 28, 2026
The Oct. 22, 2026 housing order tells VA to cut rates only on loans it makes directly. Ordinary VA purchase loans and IRRRLs come from private lenders, so a Georgia veteran's quote today does not change.
By Mortgage in Georgia Editorial · Oct 28, 2026
Peach Select VA is the state's lower-rate VA loan with no down payment assistance. Repeat buyers can use it. Here are the credit, income, price and education rules by county, and how to apply.
By Mortgage in Georgia Editorial · Oct 3, 2026
Orders to Fort Benning bring a real choice: buy in Columbus, rent first, or live across the river in Alabama. This guide covers the state line, VA occupancy rules, Georgia's lease-exit law, the appraisal, closing taxes and your options if orders change.
By Mortgage in Georgia Editorial · Sep 21, 2026
On Georgia's average VA loan of $353,689, the funding fee runs about $7,604 at the first use rate and roughly $11,672 at the repeat use rate. Here is who is exempt, what your lender has to verify before closing, and how the refund works when a rating lands late.
By Mortgage in Georgia Editorial · Sep 17, 2026
Georgia's Department of Community Affairs is publishing a 4.875% 30-year VA rate on its own rate sheet while national trackers put the market VA rate at 6.43% and conventional at 6.89%. The rate is real, and so is the price: no down payment assistance at all, a nine-year federal recapture window, a ban on owning any other residential real estate at closing, and a 75-day state reservation pipeline. Here is the honest math and the full list of conditions.
By Mortgage in Georgia Editorial · Sep 2, 2026
Assuming a Georgia seller's FHA or VA loan really can hand you a 3% rate — but the blended rate everyone quotes hides what the combined payment actually does. On an Atlanta-median $405,000 home with a $290,000 balance, the assumption's monthly advantage can collapse to as little as $62. Here is the arithmetic, the servicer deadlines that give you leverage, and the seller-side paperwork that decides who stays liable.
By Mortgage in Georgia Editorial · Aug 26, 2026
The VA Partial Claim Program opened for servicer submissions on June 15, 2026 — but servicers aren't required to be compliant until November 28, 2026. For a Georgia veteran behind on a VA loan, that gap decides whether the tool exists at all, and Georgia's 30-day, first-Tuesday foreclosure clock leaves no room to find out late.
By Mortgage in Georgia Editorial · Aug 16, 2026
Starting with premiums paid in 2026, the VA funding fee can once again be deducted as mortgage insurance on your federal return. It's real — but an income phaseout, the itemizing math, and the disability exemption mean many Georgia veterans will see little or nothing.
By Mortgage in Georgia Editorial · Jul 11, 2026
A 2.5–3.5% mortgage from 2020–2021 is an asset a Georgia seller can hand to a buyer. Here is how assuming an FHA or VA loan works in 2026, the cash it demands, the slow timeline, and the VA entitlement trap veteran sellers near Fort Benning, Fort Stewart, and Robins AFB must avoid.
By Mortgage in Georgia Editorial · Jul 8, 2026
The VA's new Partial Claim Program started accepting servicer submissions on June 15, 2026. It can bring a delinquent VA loan current without raising the monthly payment — but it's servicer-driven, applies only to VA-guaranteed loans on a primary home, and turns your arrears into a lien against your equity. Here's how it works for Georgia veterans near Fort Stewart, Robins AFB, and Fort Benning.
By Mortgage in Georgia Editorial · Jul 5, 2026
With the 30-year fixed sitting at 6.52%, metro Atlanta buyers are racing to assume sub-3% VA and FHA loans originated in 2020-2021. Here's how the mechanics, fees, equity gaps, and servicer bottlenecks actually work in Georgia.
By Mortgage in Georgia Editorial · Jun 12, 2026
The U.S. House voted 235-179 on May 21 to roughly triple the VA streamline refinance funding fee. If the Senate follows and the bill is signed, Georgia veterans have a narrow window to refinance at today's 0.50% rate.
By Mortgage in Georgia Editorial · May 24, 2026
A 2020–2021 VA note at 2.75% and Freddie Mac's PMMS at 6.37% have produced a recurring Georgia deal: buyers writing $40K–$120K cash checks to take over a seller's mortgage. Here is how the mechanics, the entitlement trap, and the Fort Stewart and Fort Moore geography actually work.
By Mortgage in Georgia Editorial · May 8, 2026
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