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Annual Percentage Rate - APR
APR is the rate that a loan will cost you for the first year of the loan when factoring in APR affecting fees. APR affecting fees can include, Loan Origination, Loan Discount, Appraisal, Underwriting, Processing, Document Preparation, Settlement and Title Preparation. The Loan's rate and fees are calculated to come up with an APR, which allows you to compare competing loans on a level playing field. A low rate loan with higher fees may have a higher APR compared with a higher rate loan with low fees. APR should not be the exclusive criteria when comparing loans.
First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006
Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands
FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
APPLING $200,160 $256,248 $256,248 $309,744
ATKINSON $200,160 $256,248 $256,248 $309,744
BACON $200,160 $256,248 $256,248 $309,744
BAKER $200,160 $256,248 $256,248 $309,744
BALDWIN $200,160 $256,248 $256,248 $309,744
BANKS $200,160 $256,248 $256,248 $309,744
BARROW $252,890 $284,834 $284,834 $346,060
BARTOW $252,890 $284,834 $284,834 $346,060
BEN HILL $200,160 $256,248 $256,248 $309,744
BERRIEN $200,160 $256,248 $256,248 $309,744
BIBB $200,160 $256,248 $256,248 $309,744
BLECKLEY $200,160 $256,248 $256,248 $309,744
BRANTLEY $209,196 $256,248 $256,248 $309,744
BROOKS $200,160 $256,248 $256,248 $309,744
BRYAN $200,160 $256,248 $256,248 $309,744
BULLOCH $200,160 $256,248 $256,248 $309,744
BURKE $200,160 $256,248 $256,248 $309,744
BUTTS $252,890 $284,834 $284,834 $346,060
CALHOUN $200,160 $256,248 $256,248 $309,744
CAMDEN $200,160 $256,248 $256,248 $309,744
CANDLER $200,160 $256,248 $256,248 $309,744
CARROLL $252,890 $284,834 $284,834 $346,060
CATOOSA $200,160 $256,248 $256,248 $309,744
CHARLTON $200,160 $256,248 $256,248 $309,744
CHATHAM $200,160 $256,248 $256,248 $309,744
CHATTAHOOCHEE $200,160 $256,248 $256,248 $309,744
CHATTOOGA $200,160 $256,248 $256,248 $309,744
CHEROKEE $252,890 $284,834 $284,834 $346,060
CLARKE $200,160 $256,248 $256,248 $309,744
CLAY $200,160 $256,248 $256,248 $309,744
CLAYTON $252,890 $284,834 $284,834 $346,060
CLINCH $200,160 $256,248 $256,248 $309,744
COBB $252,890 $284,834 $284,834 $346,060
COFFEE $200,160 $256,248 $256,248 $309,744
COLQUITT $200,160 $256,248 $256,248 $309,744
COLUMBIA $200,160 $256,248 $256,248 $309,744
COOK $200,160 $256,248 $256,248 $309,744
COWETA $252,890 $284,834 $284,834 $346,060
CRAWFORD $200,160 $256,248 $256,248 $309,744
CRISP $200,160 $256,248 $256,248 $309,744
DADE $200,160 $256,248 $256,248 $309,744
DAWSON $252,890 $284,834 $284,834 $346,060
DECATUR $200,160 $256,248 $256,248 $309,744
DEKALB $252,890 $284,834 $284,834 $346,060
DODGE $200,160 $256,248 $256,248 $309,744
DOOLY $200,160 $256,248 $256,248 $309,744
DOUGHERTY $200,160 $256,248 $256,248 $309,744
DOUGLAS $252,890 $284,834 $284,834 $346,060
EARLY $200,160 $256,248 $256,248 $309,744
ECHOLS $200,160 $256,248 $256,248 $309,744
EFFINGHAM $200,160 $256,248 $256,248 $309,744
ELBERT $200,160 $256,248 $256,248 $309,744
EMANUEL $200,160 $256,248 $256,248 $309,744
EVANS $200,160 $256,248 $256,248 $309,744
FANNIN $200,160 $256,248 $256,248 $309,744
FAYETTE $252,890 $284,834 $284,834 $346,060
FLOYD $200,160 $256,248 $256,248 $309,744
FORSYTH $252,890 $284,834 $284,834 $346,060
FRANKLIN $200,160 $256,248 $256,248 $309,744
FULTON $252,890 $284,834 $284,834 $346,060
GILMER $200,160 $256,248 $256,248 $309,744
GLASCOCK $200,160 $256,248 $256,248 $309,744
GLYNN $209,196 $256,248 $256,248 $309,744
GORDON $200,160 $256,248 $256,248 $309,744
GRADY $200,160 $256,248 $256,248 $309,744
GREENE $200,160 $256,248 $256,248 $309,744
GWINNETT $252,890 $284,834 $284,834 $346,060
HABERSHAM $200,160 $256,248 $256,248 $309,744
HALL $200,160 $256,248 $256,248 $309,744
HANCOCK $200,160 $256,248 $256,248 $309,744
HARALSON $252,890 $284,834 $284,834 $346,060
HARRIS $200,160 $256,248 $256,248 $309,744
HART $200,160 $256,248 $256,248 $309,744
HEARD $252,890 $284,834 $284,834 $346,060
HENRY $252,890 $284,834 $284,834 $346,060
HOUSTON $200,160 $256,248 $256,248 $309,744
IRWIN $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JASPER $252,890 $284,834 $284,834 $346,060
JEFF DAVIS $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
JENKINS $200,160 $256,248 $256,248 $309,744
JOHNSON $200,160 $256,248 $256,248 $309,744
JONES $200,160 $256,248 $256,248 $309,744
LAMAR $252,890 $284,834 $284,834 $346,060
LANIER $200,160 $256,248 $256,248 $309,744
LAURENS $200,160 $256,248 $256,248 $309,744
LEE $200,160 $256,248 $256,248 $309,744
LIBERTY $200,160 $256,248 $256,248 $309,744
LINCOLN $200,160 $256,248 $256,248 $309,744
LONG $200,160 $256,248 $256,248 $309,744
LOWNDES $200,160 $256,248 $256,248 $309,744
LUMPKIN $200,160 $256,248 $256,248 $309,744
MACON $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MARION $200,160 $256,248 $256,248 $309,744
MCDUFFIE $200,160 $256,248 $256,248 $309,744
MCINTOSH $209,196 $256,248 $256,248 $309,744
MERIWETHER $252,890 $284,834 $284,834 $346,060
MILLER $200,160 $256,248 $256,248 $309,744
MITCHELL $200,160 $256,248 $256,248 $309,744
MONROE $200,160 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
MORGAN $200,160 $256,248 $256,248 $309,744
MURRAY $200,160 $256,248 $256,248 $309,744
MUSCOGEE $200,160 $256,248 $256,248 $309,744
NEWTON $252,890 $284,834 $284,834 $346,060
OCONEE $200,160 $256,248 $256,248 $309,744
OGLETHORPE $200,160 $256,248 $256,248 $309,744
PAULDING $252,890 $284,834 $284,834 $346,060
PEACH $200,160 $256,248 $256,248 $309,744
PICKENS $252,890 $284,834 $284,834 $346,060
PIERCE $200,160 $256,248 $256,248 $309,744
PIKE $252,890 $284,834 $284,834 $346,060
POLK $200,160 $256,248 $256,248 $309,744
PULASKI $200,160 $256,248 $256,248 $309,744
PUTNAM $200,160 $256,248 $256,248 $309,744
QUITMAN $200,160 $256,248 $256,248 $309,744
RABUN $200,160 $256,248 $256,248 $309,744
RANDOLPH $200,160 $256,248 $256,248 $309,744
RICHMOND $200,160 $256,248 $256,248 $309,744
ROCKDALE $252,890 $284,834 $284,834 $346,060
SCHLEY $200,160 $256,248 $256,248 $309,744
SCREVEN $200,160 $256,248 $256,248 $309,744
SEMINOLE $200,160 $256,248 $256,248 $309,744
SPALDING $252,890 $284,834 $284,834 $346,060
STEPHENS $200,160 $256,248 $256,248 $309,744
STEWART $200,160 $256,248 $256,248 $309,744
SUMTER $200,160 $256,248 $256,248 $309,744
TALBOT $200,160 $256,248 $256,248 $309,744
TALIAFERRO $200,160 $256,248 $256,248 $309,744
TATTNALL $200,160 $256,248 $256,248 $309,744
TAYLOR $200,160 $256,248 $256,248 $309,744
TELFAIR $200,160 $256,248 $256,248 $309,744
TERRELL $200,160 $256,248 $256,248 $309,744
THOMAS $200,160 $256,248 $256,248 $309,744
TIFT $200,160 $256,248 $256,248 $309,744
TOOMBS $200,160 $256,248 $256,248 $309,744
TOWNS $200,160 $256,248 $256,248 $309,744
TREUTLEN $200,160 $256,248 $256,248 $309,744
TROUP $200,160 $256,248 $256,248 $309,744
TURNER $200,160 $256,248 $256,248 $309,744
TWIGGS $200,160 $256,248 $256,248 $309,744
UNION $200,160 $256,248 $256,248 $309,744
UPSON $200,160 $256,248 $256,248 $309,744
WALKER $200,160 $256,248 $256,248 $309,744
WALTON $252,890 $284,834 $284,834 $346,060
WARE $200,160 $256,248 $256,248 $309,744
WARREN $200,160 $256,248 $256,248 $309,744
WASHINGTON $200,160 $256,248 $256,248 $309,744
WAYNE $200,160 $256,248 $256,248 $309,744
WEBSTER $200,160 $256,248 $256,248 $309,744
WHEELER $200,160 $256,248 $256,248 $309,744
WHITE $200,160 $256,248 $256,248 $309,744
WHITFIELD $200,160 $256,248 $256,248 $309,744
WILCOX $200,160 $256,248 $256,248 $309,744
WILKES $200,160 $256,248 $256,248 $309,744
WILKINSON $200,160 $256,248 $256,248 $309,744
WORTH $200,160 $256,248 $256,248 $309,744
 
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