Georgia VA Loans
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Any veteran of the US Armed Services who lives in the state of Georgia or plans to purchase or refinance a home there is eligible to receive a Georgia VA loan to finance their purchase. This is only applicable to veterans who have served at least 90 continuous days and have not been dishonorably discharged. All VA loans are backed by the Department of Veteran Affairs (VA).
Jump to: Eligibility | Loan Limits
What is the VA Loan?
The goal of the VA loan program is to help veterans purchase homes and become stable long term homeowners. The VA office does not administer the loans, however. All VA loans are provided through traditional lenders. But the VA guarantees, or backs, the loans, and this provides lenders the added security they need in order to provide loans to veterans at lower rates and with better terms than conventional lending would allow.
VA Loan Benefits in Georgia
VA loans in GA are extremely beneficial and can do a lot of good for homeowners who are qualified to receive them. Check out the following list of common benefits you’ll find attached to VA loans.
- No down payment requirement. Yes, that’s right. You can purchase your home with no money down.
- Lower closing costs in many cases.
- Credit and income requirements are less strict than with other loan types.
- No PMI requirement. The VA backs the loan.
- Many different loan programs with different terms and lengths. Select the mortgage type that meets your needs.
VA Loan Requirements and Eligibility
In order to qualify for a VA loan, you must meet a set of basic requirements in addition to any criteria imposed by your lender. Some of these requirements were mentioned above, but we’ll repeat them here for convenience.
- You must be an American citizen and a veteran of the US Armed Services.
- You must have served continuously for at least 90 days.
- You need to have ended your service positively and not been dishonorably discharged.
- You should have a minimum credit score of 620.
You’ll also need to secure a certificate of eligibility from the VA office. A VA loan specialist can help you with this and help you meet any other requirements.
VA Refinance
You can refinance your home with a Georgia VA Streamline (IRRRL) refinance, lowering your interest rate and saving you potentially thousands of dollars on your monthly mortgage payments and on total interest costs over the life of your loan. Many veterans are unaware of the VA Streamline refinance program, which allows veterans to refinance their current mortgages swiftly and simply.
The VA Cash-Out refinance is also available, and enables qualifying veterans to withdraw up to 100% of their home equity as spendable cash for tuition, a new car, or anything else.
If you want to save money today and take advantage of low VA mortgage rates, consider a VA refinance.
Georgia VA Mortgage Rates
Mortgage rates change every day. If you want to secure one of the best mortgage rates available, you’ll need to keep up with the market as best you can and contact multiple lenders to compare your options. All lenders offer different rates and terms. You won’t know if you’re getting the best rate until you’ve checked to see what other lenders are offering.
VA Lenders in Georgia
The best way to research mortgage rates is to get in touch with several Georgia VA lenders who can give you up to date, professional counsel. This is one of the most important steps in the process. As mentioned above, all lenders are different. Compare your options. The VA loan limits in your area may differ or change over time as well. Fill out the form above to contact up to four local lenders and get started with your VA mortgage. You can get additional information from the Department of Veteran Affairs.
Georgia Military Information
Georgia has 12 military facilities, including Fort Benning in Columbus, Fort Gordon in Augusta, and Fort Stewart in Hinesville. These bases, as well as other military installations, display Georgia’s strong military pride. Many if not all of the individuals serving in these locations are eligible for VA home loans.
VA Loan Lending Limits in Georgia
Below is the list of the maximum VA loan limits for counties in Georgia:| County | Loan Limit |
|---|---|
| APPLING | $417,000 |
| ATKINSON | $417,000 |
| BACON | $417,000 |
| BAKER | $417,000 |
| BALDWIN | $417,000 |
| BANKS | $417,000 |
| BARROW | $417,000 |
| BARTOW | $417,000 |
| BEN HILL | $417,000 |
| BERRIEN | $417,000 |
| BIBB | $417,000 |
| BLECKLEY | $417,000 |
| BRANTLEY | $417,000 |
| BROOKS | $417,000 |
| BRYAN | $417,000 |
| BULLOCH | $417,000 |
| BURKE | $417,000 |
| BUTTS | $417,000 |
| CALHOUN | $417,000 |
| CAMDEN | $417,000 |
| CANDLER | $417,000 |
| CARROLL | $417,000 |
| CATOOSA | $417,000 |
| CHARLTON | $417,000 |
| CHATHAM | $417,000 |
| CHATTAHOOCHEE | $417,000 |
| CHATTOOGA | $417,000 |
| CHEROKEE | $417,000 |
| CLARKE | $417,000 |
| CLAY | $417,000 |
| CLAYTON | $417,000 |
| CLINCH | $417,000 |
| COBB | $417,000 |
| COFFEE | $417,000 |
| COLQUITT | $417,000 |
| COLUMBIA | $417,000 |
| COOK | $417,000 |
| COWETA | $417,000 |
| CRAWFORD | $417,000 |
| CRISP | $417,000 |
| DADE | $417,000 |
| DAWSON | $417,000 |
| DECATUR | $417,000 |
| DEKALB | $417,000 |
| DODGE | $417,000 |
| DOOLY | $417,000 |
| DOUGHERTY | $417,000 |
| DOUGLAS | $417,000 |
| EARLY | $417,000 |
| ECHOLS | $417,000 |
| EFFINGHAM | $417,000 |
| ELBERT | $417,000 |
| EMANUEL | $417,000 |
| EVANS | $417,000 |
| FANNIN | $417,000 |
| FAYETTE | $417,000 |
| FLOYD | $417,000 |
| FORSYTH | $417,000 |
| FRANKLIN | $417,000 |
| FULTON | $417,000 |
| GILMER | $417,000 |
| GLASCOCK | $417,000 |
| GLYNN | $417,000 |
| GORDON | $417,000 |
| GRADY | $417,000 |
| GREENE | $515,200 |
| GWINNETT | $417,000 |
| HABERSHAM | $417,000 |
| HALL | $417,000 |
| HANCOCK | $417,000 |
| HARALSON | $417,000 |
| HARRIS | $417,000 |
| HART | $417,000 |
| HEARD | $417,000 |
| HENRY | $417,000 |
| HOUSTON | $417,000 |
| IRWIN | $417,000 |
| JACKSON | $417,000 |
| JASPER | $417,000 |
| JEFF DAVIS | $417,000 |
| JEFFERSON | $417,000 |
| JENKINS | $417,000 |
| JOHNSON | $417,000 |
| JONES | $417,000 |
| LAMAR | $417,000 |
| LANIER | $417,000 |
| LAURENS | $417,000 |
| LEE | $417,000 |
| LIBERTY | $417,000 |
| LINCOLN | $417,000 |
| LONG | $417,000 |
| LOWNDES | $417,000 |
| LUMPKIN | $417,000 |
| MCDUFFIE | $417,000 |
| MCINTOSH | $417,000 |
| MACON | $417,000 |
| MADISON | $417,000 |
| MARION | $417,000 |
| MERIWETHER | $417,000 |
| MILLER | $417,000 |
| MITCHELL | $417,000 |
| MONROE | $417,000 |
| MONTGOMERY | $417,000 |
| MORGAN | $417,000 |
| MURRAY | $417,000 |
| MUSCOGEE | $417,000 |
| NEWTON | $417,000 |
| OCONEE | $417,000 |
| OGLETHORPE | $417,000 |
| PAULDING | $417,000 |
| PEACH | $417,000 |
| PICKENS | $417,000 |
| PIERCE | $417,000 |
| PIKE | $417,000 |
| POLK | $417,000 |
| PULASKI | $417,000 |
| PUTNAM | $417,000 |
| QUITMAN | $417,000 |
| RABUN | $417,000 |
| RANDOLPH | $417,000 |
| RICHMOND | $417,000 |
| ROCKDALE | $417,000 |
| SCHLEY | $417,000 |
| SCREVEN | $417,000 |
| SEMINOLE | $417,000 |
| SPALDING | $417,000 |
| STEPHENS | $417,000 |
| STEWART | $417,000 |
| SUMTER | $417,000 |
| TALBOT | $417,000 |
| TALIAFERRO | $417,000 |
| TATTNALL | $417,000 |
| TAYLOR | $417,000 |
| TELFAIR | $417,000 |
| TERRELL | $417,000 |
| THOMAS | $417,000 |
| TIFT | $417,000 |
| TOOMBS | $417,000 |
| TOWNS | $417,000 |
| TREUTLEN | $417,000 |
| TROUP | $417,000 |
| TURNER | $417,000 |
| TWIGGS | $417,000 |
| UNION | $417,000 |
| UPSON | $417,000 |
| WALKER | $417,000 |
| WALTON | $417,000 |
| WARE | $417,000 |
| WARREN | $417,000 |
| WASHINGTON | $417,000 |
| WAYNE | $417,000 |
| WEBSTER | $417,000 |
| WHEELER | $417,000 |
| WHITE | $417,000 |
| WHITFIELD | $417,000 |
| WILCOX | $417,000 |
| WILKES | $417,000 |
| WILKINSON | $417,000 |
| WORTH | $417,000 |
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