Georgia FHA Mortgage Lenders- Georgia FHA Home Loans! GEORGIA FHA MORTGAGE LENDERS ADVANTAGES INCLUDE:

Minimum 3.5% Down with 580+	Minimum 10% Down With 500+	6% Seller Paid Closing Cost
Down payment Assistance OK!	Gift or Down payment = OK	Higher Debt To Income Up to 56%
Co Borrowers = OK!	Streamline Refinance!	Manual Underwrite = YES!

GEORGIA HOME BUYERS ASK EVERY DAY,

“WHAT IS THE MINIMUM CREDIT SCORE FOR AN FHA MORTGAGE”?

If the Minimum FHA Mortgage Credit Score is at or above 580+ the FHA mortgage applicant is eligible for 96.5% Financing. Our Minimum Credit Score for an FHA mortgage is 500. If the Minimum FHA Mortgage Credit Score is between 500 and 579, the FHA mortgage applicant is limited to a maximum loan-to-value (LTV) of 90 percent of the loan amount..

GEORGIA FHA Mortgage Loans Have Minimal Down Payment & Fees:

Down payment only 3.5% of the purchase price.
Gifts from family or Grants for down payment assistance and closing costs OK!
Seller can credit buyers up to 6% of sales price towards buyers costs.
No reserves or future payments in account required.
FHA regulated closing costs.

GEORGIA FHA Mortgage Lenders Make it Easier To Qualify Because:

Purchase a GEORGIA home 12 months after a chapter 13 Bankruptcy
Purchase a GEORGIA 24 months after a chapter 7 Bankruptcy.
FHA will allow a FHA mortgage 3 years after a Foreclosure.
Minimum FICO credit score of 580 required for 96.5% financing.
Bad credit GEORGIA minimum FICO credit score of 500 required for 90% FHA financing.
No Credit Score GEORGIA mortgage loans & No Trade Line GEORGIA FHA home loans.

FHA Mortgage Lenders Allow For Higher Debt To Income and Flexible Job Qualifying:

FHA allows higher debt ratio’s than any other GEORGIA home loan programs.
Less than two years on the same job is OK!
Self-employed buyers can also qualify for FHA.
Check GEORGIA FHA Mortgage Articles for more information.

4 C’S GEORGIA FHA MORTGAGE LENDER REQUIRMENTS

FHA Minimum Cash/Down payment Or Equity -FHA 3.5% Down Payment Cash or 20% Equity/ 80% LTV for cash out or 96.75% Rate term Refinance- Verity the borrower has the down payment from acceptable source on a purchase or enough equity to cover payoffs and closing cost to include taxes insurance on a refinance.
FHA Minimum Credit 500+ Credit Score – Does the borrower have the minimum credit score to meet the loan program? Does the borrower have collections that have to be paid off that will reflect the cash needed to close? Do student loans that are deferred need to be added to the monthly obligations? Does the lender require %1 cumulative student loans or 5% of the cumulative collections accounts over +$2000 added back to the debt to income ratios.
Capacity-56.9% FHA Maximum- Does the borrowers debt to income ratio meet the loan program requirements or no more debt than 56.9% of the total housing + all obligations reflected on the borrowers credit report.
Collateral/FHA Approved Property Types Include- Single family homes, Townhomes, villas, 1-4 family multi Unit Homes, and FHA Approved Condos!

• LOWERST DOWN PAYMENT OPTION •

The Federal government insures GEORGIA FHA mortgage lenders against losses, therefore the FHA mortgage applicants has very minimal down payment and closing cost. FHA mortgages lenders will require a minimum 3.5% financial commitment. In additions, FHA mortgage lenders allow for the home seller to pay all your closing cost up to 6% of the sale price.

• EASIEST TO QUALIFY •

Prequalifying with a GEORGIA FHA mortgage lenders is rather easy. The result of the FHA mortgage insurance guarantee educes GEORGIA FHA mortgage lenders make it feasible for just about anybody with a decent 12 month payment history to qualify. The primary components of an FHA mortgage include down payment, credit, debt to income ratio.

• FIXED 30 YEAR RATES WITH NO PREPAYMENT PENALTIES •

One of the big advantages of using a GEORGIA FHA mortgage lenders is the benefit of having a fixed 30 year interest rate with 0 NO prepayment penalty. In comparison to other conventional Fannie Mae and Freddie mac mortgage loans in which you risk the possibility of a mortgage rate that could change. The FHA mortgage is typically for 30 years. The result of this FHA mortgage provision FHA mortgage applicants can budget their predetermined installment FHA mortgage payment in advance.

• NO RESERVES ARE REQUIRED •

In contrast to most conventional home loan programs, GEORGIA’s FHA home loan is a very tempting option for GEORGIA first time buyers that have a little saved for down payment let alone future mortgage payments.

GEORGIA First Time buyers should click apply now at the top of this website to learn what to expect with the FHA mortgage process. Being prepared will always boost your chances in getting your FHA mortgage approved.

GEORGIA FHA MORTGAGE SUMMARY OF KEY POINTS –

FHA Loans Are Easier To Qualify For- The Federal Housing Administration (FHA) insures FHA mortgage loans against default as a way to help first-time home buyers, as well as lower and middle-income citizens. Unlike traditional mortgages, FHA loans require lower down payments and easier credit requirements to secure a loan. In fact, FHA mortgages now make up nearly a third of all new purchase mortgages in America. Get Started Now!
FHA Loans For Less Then Perfect Credit-– Less than prefect credit is not an problem with FHA mortgage lenders because under the right circumstances you can qualify down to a 500+ Fico score!
FHA Mortgage Lenders For First Time Home Buyers- For the last 10 years, GEORGIA Mortgage Lenders.com has served GEORGIA as one of the top GEORGIA FHA Mortgage Lenders. We’ve helped residents secure GEORGIA FHA loans in every city and county in GEORGIA. Buying or refinancing a home can be tricky, but we are here to help. Imagine a streamlined, stress-free GEORGIA mortgage approval process. Click here to learn why the FHA mortgage is so popular with GEORGIA first time homebuyers!
FHA Mortgage for Homebuyers And Move Up Buyers– The fact is, you do not have to be a first time homebuyer to qualify for an FHA mortgage. But, you typically you cannot have more that 1 FHA mortgage at a time unless you are moving closer to work or had and increase in family size!
FHA Streamline Refinance is an Easy Fast Way To Lower Your Mortgage Payments– With the FHA streamline mortgage program, so long as your mortgage payments have been on time for the prior 12 months, you can inexpensively take advantage of any improvements in market interest Rates. Even if you had a “payment” bump in the road, you can still possibly qualify for a FHA streamline mortgage refinance with the right circumstances.
GEORGIA FHA mortgage applicants can apply now to get pre approved online! GEORGIA Mortgage requirements are always changing, and GEORGIA homebuyers can count on GEORGIA Mortgage Lenders.com to provide up-to-date information support. In addition, we are one of GEORGIA most active and experienced GEORGIA mortgage lenders. With so many options out there, our job is to help you make the best decision for you. We make the FHA application process easy to understand and are always here to answer questions. Our website is also packed with information for you to browse. Our secure mortgage application is available online when you’re ready to apply for a mortgage and we will even call you to start the process.

GEORGIA FHA MORTGAGE LENDERS:

Down payment only 3.5% of the purchase price.
Gifts from family or FHA Grants for down payment assistance and closing costs OK!
Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
No reserves or future payments in account required.
FHA regulated closing costs.
Read more about buying a home with an FHA mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family –

GEORGIA FHA MORTGAGE LOANS ARE EASIER BECAUSE:

12 months after a chapter 13 Bankruptcy FHA mortgage Lender approvals!
24 months after a chapter 7 Bankruptcy FHA mortgage Lender approvals!
3 years after a Foreclosure FHA mortgage Lender approvals!
No Credit Score FHA mortgage Lender approvals!
580 required for 96.5% financing or 3.5% down payment FHA mortgage Lender approvals.
500 required for 90% financing or 10% down payment FHA mortgage Lender approvals.
BAD CREDIT GEORGIA with minimum 500 FICO credit score with 10% Down Payment FHA. For FHA mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
Read more about FHA Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –

GEORGIA FHA MORTGAGE DEBT TO INCOME & EASIER JOB QUALIFYING

FHA allows higher debt ratio’s than any conventional mortgage loan programs.
Less than two years on the same job is OK!
Self-employed buyers can also qualify with FHA Mortgage Lenders.
Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans –

Whether you’re a first time Georgia home buyer, moving to a new home, or want to FHA refinance your existing conventional or GEORGIA mortgage, we will show you how to purchase or refinance a home with flexible guidelines. Good Credit – Bad Credit – No Credit + No Problem + We work with everyone towards home ownership!

GEORGIA FHA MORTGAGE TOPICS OF INTEREST

When you decide to apply for a Georgia FHA mortgage you need to know you’re dealing with experienced full-time mortgage lending professionals who know GA real estate. We offer a huge assortment of Georgia FHA, VA, Conventional & Private Georgia mortgage programs built around Georgia home buyers and homeowners.

Whether you’re buying a first Georgia home using our great FHA mortgage program or refinancing a home you already own using traditional FHA mortgage financing, nothing helps more than having a seasoned Georgia FHA mortgage lender working hard answer all your GEORGIA FHA mortgage questions!

GA Home Buyer Initial Questions

What is the minimum down payment for FHA Mortgage? Currently, 3.5% can from family gift or grant.
Can my parents or other relatives give me money? Yes, provided the money is considered a gift and your relative sign and date the proper gift letter documentation.
Is there a maximum FHA Mortgage Loan Amount? Yes, see maximum loan limits below based on the Georgia county.
What is an FHA Mortgage loan? The FHA is a division of the Department of (HUD) Housing and Urban Development. An FHA mortgage loan is a mortgage that is insured by the Federal Housing Administration (FHA) and funded by private Georgia FHA approved mortgage lenders.

Are FHA mortgage for Georgia first time home buyers only? NO, FHA mortgage loans are NOT only for Georgia first–time buyers only. FHA loans can be used by first time buyers and repeat buyers alike. The FHA mortgage is often marketed as a product for “first–time buyers” because of its low down payment and flexible qualifying requirements. FHA mortgage applicants can purchase an FHA approved investment property using and FHA mortgage loan.

How Does The FHA Mortgage Insurance Work? Anyone who takes out an FHA mortgage finances the insurance into the FHA mortgage loan amount. This “Up Front Mortgage Insurance ” cost is called the “UFMIP”. The upfront mortgage insurance premium paid on all FHA mortgages is paid to the government and use the funding fee money to reimburse Georgia FHA Mortgage lenders who were forced to foreclose on mortgages that were financed to bad credit mortgage applicants. Think of the funding fee as the foreclosure “insurance fund” for the FHA Georgia Mortgage Lenders. In addition to the upfront funding fee, the borrower is also required to pay a small monthly fee to the FHA as part of their monthly mortgage payment. The monthly fee is called monthly MIP or mortgage insurance premium.

Do I have to be a Georgia first time mortgage buyer to use the FHA mortgage? No you do not have to be a first time Georgia home buyer but the FHA mortgage is only for a Primary Georgia home purchase only.

Can I roll all the closing costs into the FHA mortgage? You are permitted to finance the upfront FHA funding fee only. FHA mortgage closing costs can be paid by the seller up to 6% and must be negotiated up front in your purchase and sale agreement.

Can I get an FHA Mortgage after a Foreclosure or Bankruptcy? YES! you can qualify for an FHA mortgage 3 years after the title was transferred out of your name.A borrower may also still qualify for an FHA insured loan after declaring Chapter 13 bankruptcy, if at least 1 year of the bankruptcy payout period has passed and the borrower has been making satisfactory payments. In these cases, the FHA mortgage applicant must also request permission from the court to enter into a new FHA mortgage loan. declaring Chapter 7 bankruptcy, if at least 2 years have passed since the bankruptcy discharge date. FHA mortgage applicants must also have re-established good credit or have opted to incur no new debts (this means you specifically chose to take out no new loans, credit cards, etc.)

Georgia FHA Mortgage Programs:

All Georgia Property Types Including:

Single family Homes
Town House- check for lot and/or block legal descriptions.
Villas- check for lot and/or block legal descriptions.
Modular Homes
Manufactured homes
FHA Approved condominium – Search GEORGIA FHA Approved Condos

FHA Mortgage Loans Make It Easier to Buyer A GA Home

The FHA mortgage is so popular is because Georgia mortgage applicants use them are able to take advantage of benefits and protections unavailable with any other mortgage loan program. Loans through the FHA are insured by the government, so the Georgia mortgage lenders that approve these loans are more lenient. The advantages are outweigh any other mortgage program and include and include the following:

Lower Cost & Fees- In addition to lower interest rates, FHA borrowers enjoy lower costs on other fees like closing costs, FHA mortgage insurance and govt regulated closing cost.
Easier to Qualify- While most mortgage loans prohibit applicants with bad credit history and low credit scores, the FHA mortgage loans available with lower requirements so its easier for you to qualify.
Lowest Interest Rates- You’ve heard the horror stories of subprime borrowers who couldn’t keep up with their mortgage interest rates. Well, FHA loans usually offer lower interest rates to help homeowners afford housing payments.
Bankruptcy / Foreclosure- Even If you’ve filed for bankruptcy or suffered a foreclosure in the past few years doesn’t mean you’re excluded from qualifying for an FHA loan. As long as you meet other requirements that satisfy the FHA, such as re-establishment of good credit, solid payment history, etc., you can still qualify.
No Credit Score/ No Trade Lines OK! – The FHA usually requires two lines of credit for qualifying applicants. If you don’t have a sufficient credit history, you can try to qualify through a substitute form.

For many Georgia FHA mortgage applicants, using an FHA mortgage can really make the difference between owning your dream house affordability and getting out of the never ending rental trap. The FHA mortgage provides a wealth of benefits for Georgia mortgage applicants that qualify, so please make full use of them.

We provide free credit counseling to and work with everyone to get PRE APPROVED!

Can a real estate agent gift me their commission for the FHA mortgage down payment?

Are copies of tax returns required for an FHA mortgage for a borrower with self-employment or commission income?

How are disputed credit accounts considered for manually FHA mortgage approvals?

How can FHA help me qualify for a mortgage?

What are the basic requirements for FHA mortgage loan?

What’s the Minimum Credit Score required for FHA mortgage approval?

What Is The Importance Of Credit When You Apply For An FHA Loan?

I Heard The FHA Loan Is Only For 1st Time Buyers, Is That True?

My Mortgage Company Says I Should Not Consider The FHA Program. Why Should I Listen To You And Not Them?

I Want To Improve My Mortgage Term. Can I Refinance My FHA Loan Now?

How Soon Can I Refinance To A New Home Loan?

How Often Can I Refinance My Home?

How Can I Refinance My Home When I Have Credit Problems?

Where Can I Refinance My Home If I’m Late On My Mortgage?

Am I eligible for FHA mortgage loan if i have no credit score?

Do deferred student loan obligations be included in the FHA mortgage applicants liabilities?

Do FHA mortgage loans allow gifts of equity?

Does FHA require collections to be paid off for a FHA mortgage approval?

How do FHA Mortgage Lenders determine the monthly payment on a student loan?

What are the FHA guidelines for FHA mortgage applicants with a previous foreclosure or deed-in-lieu of foreclosure?

Georgia FHA Mortgage Lending Limits

County Name	Limits	Media Price	MSA Name
APPLING	271,050	45,000	NON-METRO
ATKINSON	271,050	25,000	NON-METRO
BACON	271,050	36,000	NON-METRO
BAKER	271,050	137,000	ALBANY, GA
BALDWIN	271,050	108,000	MILLEDGEVILLE, GA
BANKS	271,050	80,000	NON-METRO
BARROW	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
BARTOW	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
BEN HILL	271,050	50,000	FITZGERALD, GA
BERRIEN	271,050	53,000	NON-METRO
BIBB	271,050	102,000	MACON, GA
BLECKLEY	271,050	61,000	NON-METRO
BRANTLEY	271,050	194,000	BRUNSWICK, GA
BROOKS	271,050	128,000	VALDOSTA, GA
BRYAN	271,050	210,000	SAVANNAH, GA
BULLOCH	271,050	122,000	STATESBORO, GA
BURKE	271,050	185,000	AUGUSTA-RICHMOND , GA-SC
BUTTS	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
CALHOUN	271,050	45,000	NON-METRO
CAMDEN	271,050	118,000	ST. MARYS, GA
CANDLER	271,050	61,000	NON-METRO
CARROLL	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
CATOOSA	271,050	163,000	CHATTANOOGA, TN-GA
CHARLTON	271,050	65,000	NON-METRO
CHATHAM	271,050	210,000	SAVANNAH, GA
CHATTAHOOCHEE	289,800	171,000	COLUMBUS, GA-AL
CHATTOOGA	271,050	51,000	SUMMERVILLE, GA
CHEROKEE	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
CLARKE	320,850	260,000	ATHENS-CLARKE , GA
CLAY	271,050	54,000	NON-METRO
CLAYTON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
CLINCH	271,050	59,000	NON-METRO
COBB	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
COFFEE	271,050	63,000	DOUGLAS, GA
COLQUITT	271,050	58,000	MOULTRIE, GA
COLUMBIA	271,050	185,000	AUGUSTA-RICHMOND , GA-SC
COOK	271,050	51,000	NON-METRO
COWETA	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
CRAWFORD	271,050	102,000	MACON, GA
CRISP	271,050	80,000	CORDELE, GA
DADE	271,050	163,000	CHATTANOOGA, TN-GA
DAWSON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
DECATUR	271,050	80,000	BAINBRIDGE, GA
DEKALB	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
DODGE	271,050	40,000	NON-METRO
DOOLY	271,050	36,000	NON-METRO
DOUGHERTY	271,050	137,000	ALBANY, GA
DOUGLAS	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
EARLY	271,050	50,000	NON-METRO
ECHOLS	271,050	128,000	VALDOSTA, GA
EFFINGHAM	271,050	210,000	SAVANNAH, GA
ELBERT	271,050	50,000	NON-METRO
EMANUEL	271,050	34,000	NON-METRO
EVANS	271,050	38,000	NON-METRO
FANNIN	271,050	159,000	NON-METRO
FAYETTE	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
FLOYD	271,050	92,000	ROME, GA
FORSYTH	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
FRANKLIN	271,050	80,000	NON-METRO
FULTON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
GILMER	271,050	115,000	NON-METRO
GLASCOCK	271,050	30,000	NON-METRO
GLYNN	271,050	194,000	BRUNSWICK, GA
GORDON	271,050	96,000	CALHOUN, GA
GRADY	271,050	60,000	NON-METRO
GREENE	515,200	199,000	NON-METRO
GWINNETT	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
HABERSHAM	271,050	119,000	CORNELIA, GA
HALL	271,050	170,000	GAINESVILLE, GA
HANCOCK	271,050	108,000	MILLEDGEVILLE, GA
HARALSON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
HARRIS	289,800	171,000	COLUMBUS, GA-AL
HART	271,050	113,000	NON-METRO
HEARD	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
HENRY	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
HOUSTON	271,050	126,000	WARNER ROBINS, GA
IRWIN	271,050	52,000	NON-METRO
JACKSON	271,050	153,000	JEFFERSON, GA
JASPER	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
JEFF DAVIS	271,050	40,000	NON-METRO
JEFFERSON	271,050	33,000	NON-METRO
JENKINS	271,050	37,000	NON-METRO
JOHNSON	271,050	60,000	DUBLIN, GA
JONES	271,050	102,000	MACON, GA
LAMAR	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
LANIER	271,050	128,000	VALDOSTA, GA
LAURENS	271,050	60,000	DUBLIN, GA
LEE	271,050	137,000	ALBANY, GA
LIBERTY	271,050	138,000	HINESVILLE, GA
LINCOLN	271,050	185,000	AUGUSTA-RICHMOND , GA-SC
LONG	271,050	138,000	HINESVILLE, GA
LOWNDES	271,050	128,000	VALDOSTA, GA
LUMPKIN	271,050	140,000	NON-METRO
MACON	271,050	28,000	NON-METRO
MADISON	320,850	260,000	ATHENS-CLARKE , GA
MARION	289,800	171,000	COLUMBUS, GA-AL
MCDUFFIE	271,050	185,000	AUGUSTA-RICHMOND , GA-SC
MCINTOSH	271,050	194,000	BRUNSWICK, GA
MERIWETHER	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
MILLER	271,050	55,000	NON-METRO
MITCHELL	271,050	40,000	NON-METRO
MONROE	271,050	102,000	MACON, GA
MONTGOMERY	271,050	65,000	VIDALIA, GA
MORGAN	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
MURRAY	271,050	102,000	DALTON, GA
MUSCOGEE	289,800	171,000	COLUMBUS, GA-AL
NEWTON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
OCONEE	320,850	260,000	ATHENS-CLARKE , GA
OGLETHORPE	320,850	260,000	ATHENS-CLARKE , GA
PAULDING	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
PEACH	271,050	126,000	WARNER ROBINS, GA
PICKENS	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
PIERCE	271,050	50,000	WAYCROSS, GA
PIKE	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
POLK	271,050	75,000	CEDARTOWN, GA
PULASKI	271,050	126,000	WARNER ROBINS, GA
PUTNAM	271,050	161,000	NON-METRO
QUITMAN	271,050	43,000	NON-METRO
RABUN	271,050	115,000	NON-METRO
RANDOLPH	271,050	25,000	NON-METRO
RICHMOND	271,050	185,000	AUGUSTA-RICHMOND , GA-SC
ROCKDALE	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
SCHLEY	271,050	60,000	AMERICUS, GA
SCREVEN	271,050	40,000	NON-METRO
SEMINOLE	271,050	41,000	NON-METRO
SPALDING	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
STEPHENS	271,050	73,000	TOCCOA, GA
STEWART	271,050	41,000	NON-METRO
SUMTER	271,050	60,000	AMERICUS, GA
TALBOT	271,050	98,000	NON-METRO
TALIAFERRO	271,050	40,000	NON-METRO
TATTNALL	271,050	50,000	NON-METRO
TAYLOR	271,050	50,000	NON-METRO
TELFAIR	271,050	28,000	NON-METRO
TERRELL	271,050	137,000	ALBANY, GA
THOMAS	271,050	118,000	THOMASVILLE, GA
TIFT	271,050	119,000	TIFTON, GA
TOOMBS	271,050	65,000	VIDALIA, GA
TOWNS	271,050	128,000	NON-METRO
TREUTLEN	271,050	30,000	NON-METRO
TROUP	271,050	114,000	LAGRANGE, GA
TURNER	271,050	50,000	NON-METRO
TWIGGS	271,050	102,000	MACON, GA
UNION	271,050	110,000	NON-METRO
UPSON	271,050	45,000	THOMASTON, GA
WALKER	271,050	163,000	CHATTANOOGA, TN-GA
WALTON	342,700	297,000	ATLANTA-SANDY SPRINGS-ROSWELL, GA
WARE	271,050	50,000	WAYCROSS, GA
WARREN	271,050	30,000	NON-METRO
WASHINGTON	271,050	30,000	NON-METRO
WAYNE	271,050	58,000	JESUP, GA
WEBSTER	271,050	19,000	NON-METRO
WHEELER	271,050	41,000	NON-METRO
WHITE	271,050	120,000	NON-METRO
WHITFIELD	271,050	102,000	DALTON, GA
WILCOX	271,050	32,000	NON-METRO
WILKES	271,050	41,000	NON-METRO
WILKINSON	271,050	34,000	NON-METRO
WORTH	271,050	137,000	ALBANY, GA