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Georgia VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
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Secure a VA Mortgage in Georgia

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
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
MILLER $417,000
MITCHELL $417,000
MONROE $417,000
MORGAN $417,000
MURRAY $417,000
MUSCOGEE $417,000
NEWTON $417,000
OCONEE $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
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
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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user suit Lenders in: Georgia.

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