Find FHA Loan Specialists in Newnan, GA
Directory of fha loan specialists in Newnan, Georgia. Verify credentials with the state state mortgage licensing authority before hiring.
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State Mortgage Licensing Authority of Georgia before hiring.
Showing 14 fha loan specialists in Newnan, GA
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An FHA loan specialist in Newnan, Georgia helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. Georgia law requires all mortgage loan originators to be licensed through the Georgia Department of Banking and Finance. Specialists in Newnan can guide you through local property appraisals and FHA loan limits specific to Coweta County.
What Does a FHA Loan Specialist in Newnan Cost?
Typical costs for FHA loan services in Georgia include an origination fee of 1 to 1.5 percent of the loan amount, appraisal fees of $500 to $700, and credit report fees of $30 to $50. Closing costs in Newnan generally range from 2 to 5 percent of the purchase price. These costs vary by lender and loan amount. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits in Newnan, Georgia?
For 2025, the FHA loan limit for a single-family home in Coweta County is $498,257. This amount is based on the median home price in the area and is set annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in Georgia?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Georgia lenders may have additional overlays beyond the FHA minimum.
What are the FHA mortgage insurance requirements in Georgia?
FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium that ranges from 0.15 to 0.75 percent depending on the loan term and loan-to-value ratio. In Georgia, this insurance is required for the life of the loan if your down payment is less than 10 percent.