Georgia self employed Bank Statement Mortgage Lenders + No Tax Return Mortgage Lenders 
BANK STATEMENT GEORGIA MORTGAGE LENDERS
Eligible Georgia self employed mortgage homes Types One Unit Single Family Residences (Attached and Detached), PUDs (Attached and Detached), Condos (Low and High Rise), Site Condo, Townhouse, 2-4 Unit Properties, Modular Homes, Hobby Farms, and Mixed-Use Properties.
General Georgia self employed mortgage homes must be in average or better condition. Properties in C5 or C6 condition are not acceptable. Deferred maintenance is allowed subject to the requirements below.
Georgia self employed Bank Statement Mortgage Lenders Types 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO
All Properties Square Footage Minimum of 600 square feet of gross living area.
Minimum FICO The primary wage-earner score is used as the Representative Credit Score for each loan. Primary wage-earner may be an occupying or non-occupying co-Bank statement no tax return Georgia self employed mortgage applicants. The primary wage-earner must have a valid score from at least 2 of the following 3 agencies: Experian (FICO), Trans Union (Empirica), and Equifax (Beacon). Only scores from these agencies are acceptable. Additional co-Bank statement no tax return Georgia self employed mortgage applicants on the loan must have at least one valid score of 500 or greater. To determine the Representative Credit Score for the primary wage-earner, select the middle score when 3 agency scores are provided and the lower score when only 2 agency scores are provided
Employment All Bank statement no tax return Georgia self employed mortgage applicants must have a 2-year employment history. Bank statement no tax return Georgia self employed mortgage applicants should provide a signed, written letter of explanation for any employment gaps that exceed 30 days in the most recent 12 month period, or that exceed 60 days in months 13-24. Bank statement no tax return Georgia self employed mortgage applicants newly employed are allowed with documentation showing the Bank statement no tax return Georgia self employed mortgage applicants was previously in school or a training program and Bank statement no tax return Georgia self employed mortgage applicants is now employed in that line of work.
Income Paystub(s) covering the most recent 30-day period providing year-to-date earnings at approval date. E.g. paid weekly = 4 paystubs, Bi-weekly/semi-monthly = 2 paystubs. Self-employed Two years personal and business tax returns with all schedules if Bank statement no tax return Georgia self employed mortgage applicants has 25% or greater ownership interest in the business. Personal and business tax returns must be validated through a 4506-T and 8821 when applicable. If tax transcripts are not available due to recent filing, a copy of the IRS notice showing “No record of return filed” is required in addition to the previous 2 years validated tax returns. Bank statement no tax return Georgia self employed mortgage applicants are qualified using the returns validated. A Liquidity Test is not required to qualify the Bank statement no tax return Georgia self employed mortgage applicants. Non-Salaried Two years documentation and evidence of at least 3 year continuance is required. Retirement Income requires a copy of the award letter and most recent 1099’s OR 3-months consecutive bank statements showing receipt of the income. Social Security income can be taxed up 25% or an amount that is prudent based on federal tax levels but not to exceed 25%. Documentation is required to show the income is non-taxable. Alimony and child support must be received at least 6-months to be used for qualifying. Rental Income Rental income from a 1-unit primary residence or second homes may not be used. Boarder income cannot be used. Note: If rental income from the subject Georgia self employed mortgage homes is not being used to qualify, the gross monthly rent must still be documented with appraisal forms 1007 and 216 for lender reporting purposes. The full PITIA on all rental properties must be considered in the debt ratio when rental income is not used to qualify. Subject Georgia self employed mortgage homes (2-4 unit primary residence) – use the income approach section from the appraisal and a copy of the current lease is required. If the Georgia self employed mortgage homes has been owned for at least 1 year, Bank statement no tax return Georgia self employed mortgage applicants to provide tax returns with at least a 12 month rental history. If the Georgia self employed mortgage homes has been owned less than 1 year, rental income is calculated per the income approach from the appraisal. Rental Income from other real estate owned – rental income from another Georgia self employed mortgage homes owned prior to loan application should be calculated using the Bank statement no tax return Georgia self employed mortgage applicants’s federal income tax returns for the most recent 12-month period (Cash Flow Analysis from Schedule E). Income should be averaged. Net rental losses should be included in ratios as a liability. For properties owned for less than 1 year, rental income should be calculated using the lesser of: 75% of the current lease minus the full PITIA; or Cash flow analysis of the Schedule E from the most recent year’s federal income tax return (if applicable) Converting current residence into a rental: 75% of a lease minus the full PITIA may be used.
Assets Must be sourced/seasoned for 60 days. Deposit verification and seasoning of assets must be documented by two months bank statements. Marketable securities require a copy of the stock certificate. Retirement accounts require documentation verifying the lending terms of the account. All sources of funds must be owned by the Bank statement no tax return Georgia self employed mortgage applicants. All large deposits must be sourced per guidelines. Asset documentation must be dated within 30 days of application and 120 days of closing. Evidence of liquidation is required for all securities used for closing and real estate. Evidence of transfer of funds is required for all cash accounts. Gifts are acceptable provided minimum Bank statement no tax return Georgia self employed mortgage applicants investment requirements are met. Eligible Sources of Assets Acceptable sources of funds are bank deposits (checking/savings), marketable public traded securities (70% of account value), loans secured by Bank statement no tax return Georgia self employed mortgage applicants’s assets, sale of real estate, funds borrowed secured by real estate, trust funds (60% of Bank statement no tax return Georgia self employed mortgage applicants’s undistributed share), cash value/surrender value of life insurance (60% of the cash value), retirement accounts using 60% of available/vested balance (SEP-IRA, 401K), Bank statement no tax return Georgia self employed mortgage applicants’s real estate commission, business assets provided Bank statement no tax return Georgia self employed mortgage applicants is 100% owner of the business, depleting the assets from the business account will not have a negative impact on the viability and cash flow of the business. Ineligible Sources of Assets Cash-on-hand, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, Section 8 Voucher Assistance, Cryptocurrency (digital assets such as bitcoins) and Private Savings Club accounts.
Bank statement no tax return Georgia self employed mortgage applicants Investment/ Contribution Primary Residence – 5% own funds Second Home – 10% own funds A minimum Bank statement no tax return Georgia self employed mortgage applicants contribution of 10% is required on the following transactions: Primary residence with unverifiable housing history Loan amount over the FHFA Conforming Loan Limit Limited tradelines
Debt Ratios (Primary Residence and Second Homes Standard DTI to 43% available for Grade A, B and C Expanded DTI to 50% available for Grade A and B Min FICO = 640 DTI to 50% available for 12-Month Bank Statements and 1-Year Documentation (W-2 or Tax Return) Min FICO = 620
Seller Concessions Up to 9% towards closing for Primary Residence and Second Homes (LTV ≤ 75%), 6% towards closing for Primary Residence and Second Homes (LTV > 75%);
Listed For Sale or Purchase To be eligible for either a rate/term or a cash-out refinance, the subject Georgia self employed mortgage homes must be taken off the market on or before application date, provide a letter of explanation for the MLS listing and statement of intent to retain the Georgia self employed mortgage homes for 12 months after closing. For cash-out transactions, if the subject Georgia self employed mortgage homes was listed for sale in the 6 months prior to application date, a 10% LTV reduction from the maximum available for the specific transaction is required. The lesser of the most recent list price or the current appraised value should be used to determine loan-to-value for both rate/term or cash-out transactions.
Georgia Self Employed Bank Statement Income Loans utilizing bank statement documentation for income will not require a 4506-T form processed for transcripts. When a file has mixed income (W-2 wage earner income) combined with the bank statement income option, Georgia self employed no tax return mortgage lenders must obtain a 4506-T and transcripts for the W-2 wage earner income only. See Georgia self employed no tax return mortgage lenders Guidelines for details. Please Note: Underwriter may condition for 4506-T tax transcripts to be signed and processed on a case by case basis. Bank Statement Documentation Self-employed Bank statement no tax return Georgia self employed mortgage applicants are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following restrictions apply to both documentation types: Bank statement no tax return Georgia self employed mortgage applicants must be self-employed for at least 2years. Business must be in existence for at least 2 years. Standard Tradelines and a 12-month housing history are required. Non-Permanent Resident Aliens and Foreign Nationals are ineligible. Exceptions are not permitted. Foreign sources of income are ineligible. For Personal Bank Statement qualifying, all parties listed on each bank account must be included as Bank statement no tax return Georgia self employed mortgage applicants on the loan. For Business Bank Statements where the Bank statement no tax return Georgia self employed mortgage applicants is not 100% owner of the business or another party appears on the business bank statements, refer to the guidelines for documenting the Bank statement no tax return Georgia self employed mortgage applicants percent ownership of the business. Statements must be consecutive and reflect the most recent months available. Statements must support stable and generally predictable deposits. Unusual deposits must be documented. Evidence of a decline in earnings may result in disqualification. More than 3 NSFs or overdrafts within the most recent 12 months require explanation, supporting documentation, and underwriter analysis for acceptability. Refer to guidelines for additional details. Note: Overdraft Protection Transfers are not considered an NSF. If bank statements provided reflect payments being made on obligations not listed on the credit report, see Undisclosed Debts for additional guidance. PayPal business account statements are ineligible. PayPal earnings must be deposited into a business or personal bank account for consideration. W-2 Wages: Additional income deposited into the bank statements but derived from a source other than the self-employed business may not be included in the bank statement average. W-2 earnings must be documented as per the requirements in Wage-Earners along with a processed 4506-T verifying the W-2 earnings only. W-2 transcripts may be used in lieu of paper W-2s. Rental Income: Obtain the most recent lease agreement(s) for rental properties and proof of receipt at the current lease rate using a cancelled check or bank statement. Calculate the qualifying rents by using 75% of the current lease minus the full PITIA.
Full Documentation Income Fully documented income requires 4506-T forms and processed transcripts for the income used to qualify. Note: If there are no transcript records available, Georgia self employed no tax return mortgage lenders will accept a copy of the tax return, stamped or otherwise, and proof of receipt of the refund or a cancelled check/bank draft documenting the taxes were paid. The refund or check/bank draft must match the tax return exactly. See Georgia self employed no tax return mortgage lenders for details.
Residual Income $1,500 plus an additional $150 per dependent is required for Primary Residence and Second Homes only.
All Refinances All refinance transactions must have Net Tangible Benefit to Bank statement no tax return Georgia self employed mortgage applicants.
Cash-out Refinance For all cash-out refinance transactions: a signed letter from the Bank statement no tax return Georgia self employed mortgage applicants disclosing the purpose of the cash-out must be obtained. At least one Bank statement no tax return Georgia self employed mortgage applicants must have been on title a minimum of six (6) months prior to the new note date and a minimum of 6 months must have elapsed since the most recent mortgage transaction on the subject Georgia self employed mortgage homes (either the original purchase transaction or subsequent refinance). Note date to note date is used to calculate the 6 months. For cash-out refinance transactions where the Georgia self employed mortgage homes is currently vested in a trust or LLC, the Bank statement no tax return Georgia self employed mortgage applicants must have owned the Georgia self employed mortgage homes in the name of the trust or LLC for at least six (6) months prior to closing. Note: Properties removed from a Trust or LLC are not required to meet the seasoning requirements if the Georgia self employed mortgage homes moves from the Trust to the owner of Trust or the LLC to the owner of LLC. Minimum fifty-percent (50%) ownership of the LLC is required. There is no waiting period if the Bank statement no tax return Georgia self employed mortgage applicants was legally awarded the Georgia self employed mortgage homes through divorce, separation, or dissolution of a domestic partnership.
Minimum Credit History – Primary Wage-earner Requirements Standard Credit: 3 tradelines reporting for 12+ months with activity in last 12 months OR 2 tradelines reporting for 24+ months with activity in last 12 months 0X60 for most recent 12 months Trade lines must meet the following: The credit line must be reflected on the Bank statement no tax return Georgia self employed mortgage applicants’s credit report The account must have activity in the past 12-months and may be open or closed Tradelines used to qualify may not exceed 0x60 in the most recent 12 months An acceptable 12- or 24-month housing history not reporting on credit may also be used as a tradeline Credit lines on which the Bank statement no tax return Georgia self employed mortgage applicants is not obligated to make payments are not acceptable for establishing a minimum history. e.g., loans in a deferment period, collection or charged-off accounts, accounts discharged through bankruptcy, and authorized user accounts.
Limited Tradelines Primary Residence and Second Homes only. No minimum tradeline requirements (Full Doc only) If the Bank statement no tax return Georgia self employed mortgage applicants does not meet the requirements for Standard Tradelines but still has a valid credit score, he or she may qualify under Limited Tradelines. The following requirements apply when qualifying with Limited Tradelines: Primary residence and second homes only 10% minimum Bank statement no tax return Georgia self employed mortgage applicants contribution Minimum 6-months reserves after closing Full documentation of income (Bank Statement Documentation not allowed) When qualifying with Limited Tradelines, the lower of either the Representative Loan Score or a 580 score is used to qualify the Bank statement no tax return Georgia self employed mortgage applicants on the Non-Prime Matrix. The loan may be priced using the actual Representative Loan Score.
Disputed Tradelines Bank statement no tax return Georgia self employed mortgage applicants are not required to remove disputed tradelines from their credit report regardless of the number of accounts or the amounts. A disputed account is not a waiver of the debt from consideration in underwriting. Disputed accounts must meet the guideline requirements for collections and/or charge off status unless there is documentation provided of a bonafide dispute such as a police report due to fraud or theft.
Mortgage/Rental History See Grade Determination above. Mortgage and rental payments not reflected on the original credit report must be documented via an institutional Verification of Rent or Verification of Mortgage (VOR/VOM). A combined total of all late mortgage and rental payments in the past 12 months must be used to determine the housing history for all Bank statement no tax return Georgia self employed mortgage applicants. If the Bank statement no tax return Georgia self employed mortgage applicants is making payments to an individual or interested party, 12 months of cancelled checks or bank statements must be obtained. A VOR/VOM is not required but may be requested for clarification. All mortgages and rental payments should be current at time of closing. If the credit report or VOR/VOM reflects a past-due status, updated documentation is required to verify account is current. Bank statement no tax return Georgia self employed mortgage applicants with no housing history or less than 12 months housing history are permitted. Refer to Georgia self employed no tax return mortgage lenders for full details.
Late Payments Rolling Late Payments: Rolling late payments are not considered a single event. Each occurrence of a contractual delinquency is considered individually for loan eligibility. Past Due Accounts: Past due consumer debts can be no more than 30 days past due at time of closing unless the past due consumer debt will be paid off at closing. For mortgage late payment requirements refer to Mortgage/Rental History above.
Credit Grade C Credit Grade C: All mortgages and rental payments must be paid as agreed for the last 12 months, or since the date the Housing Event was cured (if Housing Event occurred less than 12 months ago). Mortgage and rental lates prior to the Housing Event are disregarded.
Georgia Self Employed Bankruptcy seasoning requirements, see Grade Determination above. A Chapter 13 bankruptcy may remain open after loan closing when all of the following requirements are met: A minimum 12-month repayment period in the bankruptcy has elapsed Bankruptcy plan payments for the last 12 months have been made on time Bank statement no tax return Georgia self employed mortgage applicants has received written permission from bankruptcy court to enter into the transaction Note: Open Chapter 13 bankruptcy will be graded per the mortgage rating. If the bankruptcy has late payments within the last 12 months, they must be paid off and the loan must be graded as Credit Grade C.
Georgia Self Employed Forbearance Due to FEMA Disaster Georgia self employed no tax return mortgage lenders will permit forbearance only in cases of a FEMA Disaster Declaration. Documentation from the servicer must be obtained and the cause outside the disaster (i.e. loss of work, damage, etc.) must be cured and documented (i.e. back to work and able to meet ability-to-repay (ATR) requirements).
Georgia Self Employed Collections/ Charge Offs The following accounts may remain open: Collections and charge-offs < 24 months old with a maximum cumulative balance of $2,000 Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence Collections and charge-offs that have passed beyond the statute of limitation for that state (supporting documentation required) All medical collections Collection and charge-off account balances remaining after the exclusions listed above may remain open when one of the following is met: Bank statement no tax return Georgia self employed mortgage applicants has sufficient reserves to cover remaining collection and charge-off balances (in addition to the published reserve requirement); or Payment for remaining collections and charge-offs included in DTI results in final DTI ≤ 50% (payment calculated at 5% of balance of remaining unpaid collections and charge-offs). A combination of the two options above is allowed. A portion of the unpaid collection balance can be included in the DTI while the remainder is covered by excess reserves. Collections and charge-offs that cannot be factored into DTI or reserves must be paid off.
Georgia Self Employed mortgage lenders Judgments/Liens Judgments and tax liens must be paid off prior to or at closing, unless the requirements listed below are met. Adverse credit that will impact title must be paid in full as title must insure our lien position without exception. Court-ordered judgments may remain open when all of the following requirements are met: A copy of the repayment agreement is obtained; A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided; and The maximum payment required under the plan is included in the debt-to-income ratio. Outstanding tax liens may remain open on purchase transactions only (additional LTV reductions may be required based on the size of the lien). All of the following requirements must be met: A copy of the repayment agreement is obtained; A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided; The maximum payment required under the plan is included in the debt-to-income ratio; and The title company must provide written confirmation confirming (a) the title company is aware of the outstanding tax lien, and (b) there is no impact to first lien position.
Georgia Self Employed mortgage lenders IRS Taxes Owed (No Lien) For IRS taxes owed and no lien is present all of the following requirements must be met: A copy of the repayment agreement is obtained; A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided; The maximum payment required under the plan is included in the debt-to-income ratio.
Georgia Self Employed mortgage lenders Cash Out Maximum Amounts: $250,000 Cash out may be used to pay off debt for qualifying. Cash out proceeds may not be used to meet reserve requirements.
Deferred Maintenance Georgia self employed no tax return mortgage lenders permits appraisals to be based on the “as is” condition of the Georgia self employed mortgage homes provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the Georgia self employed mortgage homes, and the appraiser’s opinion of value reflects the existence of these conditions. Deferred maintenance is typically due to normal wear and tear from the aging process and the occupancy of the Georgia self employed mortgage homes. While such conditions generally do not rise to the level of a required repair, they must be reported. Examples of minor conditions and deferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, or cracked window glass.
Georgia self employed mortgage homes Repairs All Georgia self employed mortgage homes repairs must be completed prior to closing with no exceptions. Escrow holdbacks are not permitted.
Georgia Self Employed mortgage lenders Second Homes Second homes are restricted to 1-unit dwellings. Second homes must be located a reasonable distance away from the Bank statement no tax return Georgia self employed mortgage applicants’s primary residence and must be available for Bank statement no tax return Georgia self employed mortgage applicants’s exclusive use. Bank statement no tax return Georgia self employed mortgage applicants may not own any other second homes in the same geographic market as the subject Georgia self employed mortgage homes. Second homes cannot be subject to rental pools or agreements requiring Georgia self employed mortgage homes to be rented and cannot be controlled by a management firm. Suitable for year-round occupancy.
Appraisal 1 Full appraisal required. Exterior and Interior inspection. Color photographs required. The Georgia self employed mortgage homes should conform to and be acceptable in the market area. The appraisal must include the actual size of the site and not a portion of the site.Appraisal Review – Due Diligence Georgia self employed Bank Statement Mortgage Lenders Restrictions The Appraisal Review Process requires a secondary due diligence Georgia self employed Bank Statement Mortgage Lenders to support the appraised value for the transaction. To utilize the Fannie Mae Collateral Underwriter (CU) score, all of the following must be met: Loan amount < $1,000,000, and CU Score ≤ 2.5 The following require a Desk Review (ineligible for CU): Any loan where the LTV > 80%, or CU Score > 2.5 The following require a Second Full Appraisal: Loan amount ≥ $1,000,000 HPML Georgia self employed mortgage homes Flip Transactions HPML New Construction Properties with one or more title transfers within 180 days of the purchase contract date or any title transfer after the purchase contract date. Please note: title transfers from a builder to a wholly owned subsidiary of the builder are considered a “change of ownership” and require a Second Full Appraisal. When two appraisals are required, the lower of the two values must be used to determine value. The following requires a Georgia self employed no tax return mortgage lenders Capital Management (CCM) review: Appraised value ≥ $1,500,000. When two appraisals are present the lowest value is used. Desk Reviews, Field Reviews, and Second Full Appraisals, when required, must be ordered from a Georgia self employed no tax return mortgage lenders -approved AMC. A Second Full Appraisal must be completed by a different AMC and a different, independent appraiser than the first appraisal. Georgia self employed no tax return mortgage lenders reserves the right to request additional appraisal Georgia self employed Bank Statement Mortgage Lenders s at our discretion based on review of the appraisal and loan file.
Condominiums All condominiums must have a valid project review along with a completed Georgia self employed no tax return mortgage lenders Homeowners’ Association Certification (InterIsland HOA Questionnaire). ATTACHED CONDOS: Appraisal must contain 2 comparable sales from subject’s project in addition to the current comparable sale requirements. See the Georgia self employed no tax return mortgage lenders for condominium specifications.
Ineligible Georgia self employed mortgage homes Types Investment Properties, Co-ops, Condotels, Non-Warrantable Condominiums, Manufactured, Unique Properties, Leaseholds, Rural Properties, Log Homes, Agriculturally Zoned, Working or income producing Farms, Properties with active oil, gas, or mineral drilling, excavation, etc., Builder Model Leaseback, NonConforming zoning regulations that prohibit rebuilding, Hawaiian properties in lava zones 1 and 2, and State-approved medical marijuana producing properties.
Mixed Use Properties Georgia self employed no tax return mortgage lenders will allow for mortgages that are secured by properties that have a business use in addition to their residential use, such as a Georgia self employed mortgage homes with space set aside for a day care facility, a beauty or barber shop, or a doctor’s office. The following special eligibility criteria must be met: The Georgia self employed mortgage homes must be a one-unit dwelling that the Bank statement no tax return Georgia self employed mortgage applicants occupies as a principal residence. The Bank statement no tax return Georgia self employed mortgage applicants must be both the owner and the operator of the business. The Georgia self employed mortgage homes must be primarily residential in nature. The dwelling may not be modified in a manner that has an adverse impact on its marketability as a residential Georgia self employed mortgage homes. The appraisal requirements for mixed-use properties must: provide a detailed description of the mixed-use characteristics of the subject Georgia self employed mortgage homes; indicate that the mixed use of the Georgia self employed mortgage homes is a legal, permissible use of the Georgia self employed mortgage homes under the local zoning requirements; report any adverse impact on marketability and market resistance to the commercial use of the Georgia self employed mortgage homes; report the market value of the Georgia self employed mortgage homes based on the residential characteristics, rather than of the business use or any special business-use modifications that were made; report that no modifications have been made that would adversely affect marketability A confirmation of the appraiser’s review will be performed by a Due Diligence (DD) firm. If the DD firm disagrees with the appraiser, DD findings will take priority over appraiser findings.
Rural Georgia self employed mortgage homes Determination Rural properties are ineligible. Properties are considered rural if: The Zip Code is contained in Exhibit A of the Guidelines, or The appraiser indicates the subject Location as Rural in the Neighborhood section of the appraisal report.
Georgia self employed mortgage homes Flipping Title transfers within 180 days are subject to additional requirements. See the NO tax return bank statement mortgage lenders Guidelines for specifications.
Resale/Deed Restrictions Communities where the minimum age requirement is 55 are permitted.
Maximum Number of Financed Properties There is no limit on the number of other properties Bank statement no tax return Georgia self employed mortgage applicants may currently have financed. Second homes require 2 months additional reserves for each additional financed Georgia self employed mortgage homes. Additional reserves are not required when the subject Georgia self employed mortgage homes is a primary residence. See Georgia self employed no tax return mortgage lenders for additional requirements.
Maximum Acreage Primary & Second Homes; maximum 10 acres
General Refinance Requirements Rate/term refinance and cash-out refinance transactions are allowed. Determining Loan-to-Value If the subject Georgia self employed mortgage homes was purchased ˃ 12-months from application date, the appraised value must be used to determine loan-to-value. If the Georgia self employed mortgage homes was purchased ≤ 12-months from application date, the lesser of the current appraisal value or previous purchase price plus documented improvements (if any) must be used. The purchase settlement statement and any invoices for materials/labor will be required. Refinances of Short Payoffs are only acceptable for Georgia self employed no tax return mortgage lenders to Georgia self employed no tax return mortgage lenders (Stanwich Portfolio) transactions.
Georgia Self Employed mortgage lenders Rate & Term Refi / Limited Cash Out No seasoning of first mortgage (no minimum number of payments required on current mortgage). If owned less than 12 months (recorded transfer date to application date of the new loan), the LTV is be based on lower of appraised value or the original sales price. If owned more than 12 months, (recorded date to application date of new loan), the LTV is based on the current appraised value. Maximum cash in hand is the lessor of 2% of the principal of the new loan amount or $2000. HUD-1 settlement statements required from any transaction within past 6 months. If previous transaction was cash-out or if it combined a first and non-purchase money subordinate into a new first, loan to be coded cash out. If new transaction combines a 1st and non-purchase money 2nd into a new 1st loan, it is considered cash out. Must demonstrate there is a Benefit to the Bank statement no tax return Georgia self employed mortgage applicants by utilizing the Georgia self employed no tax return mortgage lenders benefit to Bank statement no tax return Georgia self employed mortgage applicants form currently in use through Encompass for refinance transactions.
Georgia Self Employed mortgage lenders Gift funds are acceptable on primary residence and second homes transactions once the Bank statement no tax return Georgia self employed mortgage applicants has met the minimum 5% investment (Primary Residence) or 10% (Second Home). Gift funds are not acceptable for reserves. The donor must be an immediate family member (spouse, child, dependent, parent, sibling, blood relative), future spouse, or domestic partner living with the Bank statement no tax return Georgia self employed mortgage applicants. The donor may not have any affiliation with a party to the transaction. A signed gift letter is required and must include the amount of the gift, the donor’s name, address, telephone number and relationship to Bank statement no tax return Georgia self employed mortgage applicants. Proof of donor’s ability to give and transfer of the gift funds/evidence of receipt is required.
Georgia Self Employed mortgage lenders Minimum Reserves Net proceeds from cash-out transactions may not be used to meet the reserve requirement. Reserves must come from Bank statement no tax return Georgia self employed mortgage applicants own funds. Subject Georgia self employed mortgage homes reserve requirement – refer to the above LTV, Additional Program overlays and requirements sections. Second Homes Only: Minimum 6 months; 2 months of additional reserves required for each financed Georgia self employed mortgage homes; no limit on the number of properties Bank statement no tax return Georgia self employed mortgage applicants may have financed. Multiple Financed Properties: 2 months for each additional Georgia self employed mortgage homes when the subject is a Second Home. Use of Rental Income Without a Lease: 3 months in addition to standard requirement No Housing History or Less Than 12 months Verified: 6 months For files that have more than the required 3 month reserves (e.g. > $750K loan amounts) the reserve requirement can be reduced to 3 months when all of the following requirements are met: Primary occupancy; and LTV ≥ 10% below the maximum available for the transaction; and DTI ≤ 43%. Note: at no time will a file have less than 3 months reserves.
Qualifying Reserves on ARM Loans Reserves on ARM loans must be determined based on the on the Fully Indexed Rate. Reserves are measured by the number of months of the qualifying payment amount for the subject mortgage (based on PITIA) that a Bank statement no tax return Georgia self employed mortgage applicants could pay using his or her financial assets. Ineligible Reserves Cash-on-hand, Cash-out proceeds, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, and Section 8 Voucher Assistance Debt Ratio See Grade Determination Above Retaining current Residence If subject is an owner occupied purchase transaction and Bank statement no tax return Georgia self employed mortgage applicants’s current residence is pending sale, both the current and proposed housing payments are used to qualify. Non-Taxable Income Must verify and document source of income is non-taxable. Documentation includes award letters, policy agreements, account statements or any other documents that address the non-taxable status of the income. All disclosed, non-taxable income must be grossed-up 125% even if not being used for qualification. Manual Underwrite Only All loans are manually underwritten. AUS is not permitted.
Seller Contribution/ Sale Concessions Maximum seller contribution up to maximum 9% for LTV ≤ 75% and 6% for LTV > 75%: for primary residence and second homes. Sales concessions exceeding the seller contribution limits must be deducted from the sales price before calculating the LTV/CLTV. Financing concessions are not allowed.
Georgia Self Employed mortgage lenders Age of Documents Credit Report 60 days; Title Report 60 days; Appraisal 120 days; Closing Protection Letter (CPL) 60 Days Loan Terms Available 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO Escrow Waivers All States excluding DC: Not Permitted DC loans: Georgia self employed mortgage homes tax and/or insurance escrows may be waived if the LTV is 80% or lower. HPML loans: escrows may not be waived regardless of LTV. Assumptions Not Permitted High-Cost HOEPA Section 32 (Fed/State) Not permitted. States may impose different definitions of points and fees, rate, or APR than apply under HOEPA. States may also use different triggers in each category for determining whether a loan will be a “high-cost mortgage” (or equivalent terms) under state law. Georgia self employed no tax return mortgage lenders does not originate loans defined as high-cost mortgages (or equivalent terms) under Federal or state law, regardless of the basis for the loan’s treatment as such. HPML/ Section 35 loans HPML loans (Section 35) are permitted. Federal Section 35 High Priced Test (allowed if all 4 items below are met): 1. Loan is Impounded (escrows) 2. No Pre Payment Penalty 3. Ability to Repay has been verified 4. Full Appraisal Done on the Georgia self employed mortgage homes HPML flip transactions require a second appraisal from a different certified or state licensed appraiser. Refer to the Georgia self employed no tax return mortgage lenders for additional information. QM Fees Limited to the Section 32 5% Limit Ineligible States All loans: North Dakota; Massachusetts (Correspondent loans are eligible for Massachusetts and North Dakota). Interest Only loans not permitted in West Virginia. Illinois Anti-Predatory Lending Databases Primary Residence: Completion of the Illinois Anti-Predatory Lending Databases is required for subject properties in Cook, Kane, Peoria, and Will counties. A Certificate of Exemption or Certificate of Compliance is required to record the loan. Retail Loans Only: Interest Only loans not permitted in Illinois in Cook, Kane, Peoria, and Will counties. Maryland HPML Attestation In compliance with Maryland Mortgage Statute 09.03.06.20 – Duty of Care, Brokers must provide an executed HPML Attestation for HPML loans with a subject Georgia self employed mortgage homes in the state of Maryland. New York Loans Primary Residence and Second Homes: Loans require a minimum loan size of “Conforming Balance plus $1”. NY CEMA Loans are permitted (NY CEMA not eligible for Georgia self employed no tax return mortgage lenders Correspondent channel) Ability to Repay (ATR) Fully Compliant (DTI>43% program follows all other ATR requirements) Fully Documented Income Full Appraisal Escrows required No Prepayment Penalty Documenting Business Bank Ownership Generally, the parties on the business bank accounts should be the same parties on the loan request. If a party appears on a business bank account but is not a Bank statement no tax return Georgia self employed mortgage applicants on the loan, business records must be provided to prove the Bank statement no tax return Georgia self employed mortgage applicants’s percentage of ownership and entitlement to profits. Examples of acceptable documentation include: Articles of Incorporation with stock ownership breakdown, the business’s Operating Agreement, a Corporate Resolution, or letter from the company’s tax preparer. Qualifying income must be multiplied by the percentage of profits that the Bank statement no tax return Georgia self employed mortgage applicants is entitled to.
Eligible Georgia Self Employed mortgage lenders Bank statement no tax return Georgia self employed mortgage applicants U.S. Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens. Permanent Resident Aliens must provide proof of lawful residence, green card and permanent right to work in the U.S. Non-Permanent Resident Aliens must provide proof of lawful residency, work authorization, and an unexpired, valid visa with at least three years left to work in the U.S. All qualifying Bank statement no tax return Georgia self employed mortgage applicants must have a documented 2 year consecutive work history in the U.S. Georgia self employed no tax return mortgage lenders limits the maximum number of Bank statement no tax return Georgia self employed mortgage applicants on one loan to eight (8). Ineligible Bank statement no tax return Georgia self employed mortgage applicants Foreign Nationals, Deferred Action for Childhood Arrivals (DACA – EAD Category C33), Bank statement no tax return Georgia self employed mortgage applicants with Diplomatic Immunity, Non-Permanent Resident Aliens who do not have a green card or a valid visa, Bank statement no tax return Georgia self employed mortgage applicants without a credit score, Bank statement no tax return Georgia self employed mortgage applicants who are not natural persons (i.e.: Corporation and Partnership), Bank statement no tax return Georgia self employed mortgage applicants holding title in the name of a trust, Bank statement no tax return Georgia self employed mortgage applicants with more than 5 Georgia self employed no tax return mortgage lenders financed properties, including the subject Georgia self employed mortgage homes. First Time Homebuyers Verification of 12 months’ rent required via cancelled checks or bank statements. 6 months reserves from Bank statement no tax return Georgia self employed mortgage applicants’s own funds required. Minimum FICO >= 620 Power of Attorney Georgia self employed no tax return mortgage lenders will permit a Limited Power of Attorney (POA) when the following requirements are met: POA is specific to the transaction, recorded with the Mortgage/Deed of Trust, contains an expiration date, used only to execute the final loan documents, Bank statement no tax return Georgia self employed mortgage applicants who executed the POA signed the initial 1003, no interested party to the transaction (such as Georgia self employed mortgage homes seller, broker, loan officer, realtor, etc.) may act as Power of Attorney, not permitted on cash-out transactions, and not permitted on Texas Home Equity transactions.
| State | Zip Code | City | County | Zip Code Map |
| Georgia | 30002 | Avondale Estates | Dekalb | View Map |
| Georgia | 30003 | Norcross | Gwinnett | View Map |
| Georgia | 30004 | Alpharetta | Fulton | View Map |
| Georgia | 30005 | Alpharetta | Fulton | View Map |
| Georgia | 30006 | Marietta | Cobb | View Map |
| Georgia | 30007 | Marietta | Cobb | View Map |
| Georgia | 30008 | Marietta | Cobb | View Map |
| Georgia | 30009 | Alpharetta | Fulton | View Map |
| Georgia | 30010 | Norcross | Gwinnett | View Map |
| Georgia | 30011 | Auburn | Barrow | View Map |
| Georgia | 30012 | Conyers | Rockdale | View Map |
| Georgia | 30013 | Conyers | Rockdale | View Map |
| Georgia | 30014 | Covington | Newton | View Map |
| Georgia | 30015 | Covington | Newton | View Map |
| Georgia | 30016 | Covington | Newton | View Map |
| Georgia | 30017 | Grayson | Gwinnett | View Map |
| Georgia | 30018 | Jersey | Walton | View Map |
| Georgia | 30019 | Dacula | Gwinnett | View Map |
| Georgia | 30021 | Clarkston | Dekalb | View Map |
| Georgia | 30022 | Alpharetta | Fulton | View Map |
| Georgia | 30023 | Alpharetta | Fulton | View Map |
| Georgia | 30024 | Suwanee | Gwinnett | View Map |
| Georgia | 30025 | Social Circle | Walton | View Map |
| Georgia | 30026 | North Metro | Gwinnett | View Map |
| Georgia | 30028 | Cumming | Forsyth | View Map |
| Georgia | 30029 | North Metro | Gwinnett | View Map |
| Georgia | 30030 | Decatur | Dekalb | View Map |
| Georgia | 30031 | Decatur | Dekalb | View Map |
| Georgia | 30032 | Decatur | Dekalb | View Map |
| Georgia | 30033 | Decatur | Dekalb | View Map |
| Georgia | 30034 | Decatur | Dekalb | View Map |
| Georgia | 30035 | Decatur | Dekalb | View Map |
| Georgia | 30036 | Decatur | Dekalb | View Map |
| Georgia | 30037 | Decatur | Dekalb | View Map |
| Georgia | 30038 | Lithonia | Dekalb | View Map |
| Georgia | 30039 | Snellville | Gwinnett | View Map |
| Georgia | 30040 | Cumming | Forsyth | View Map |
| Georgia | 30041 | Cumming | Forsyth | View Map |
| Georgia | 30042 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30043 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30044 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30045 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30046 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30047 | Lilburn | Gwinnett | View Map |
| Georgia | 30048 | Lilburn | Gwinnett | View Map |
| Georgia | 30049 | Lawrenceville | Gwinnett | View Map |
| Georgia | 30052 | Loganville | Walton | View Map |
| Georgia | 30054 | Oxford | Newton | View Map |
| Georgia | 30055 | Mansfield | Newton | View Map |
| Georgia | 30056 | Newborn | Newton | View Map |
| Georgia | 30058 | Lithonia | Dekalb | View Map |
| Georgia | 30060 | Marietta | Cobb | View Map |
| Georgia | 30061 | Marietta | Cobb | View Map |
| Georgia | 30062 | Marietta | Cobb | View Map |
| Georgia | 30063 | Marietta | Cobb | View Map |
| Georgia | 30064 | Marietta | Cobb | View Map |
| Georgia | 30065 | Marietta | Cobb | View Map |
| Georgia | 30066 | Marietta | Cobb | View Map |
| Georgia | 30067 | Marietta | Cobb | View Map |
| Georgia | 30068 | Marietta | Cobb | View Map |
| Georgia | 30069 | Marietta | Cobb | View Map |
| Georgia | 30070 | Porterdale | Newton | View Map |
| Georgia | 30071 | Norcross | Gwinnett | View Map |
| Georgia | 30072 | Pine Lake | Dekalb | View Map |
| Georgia | 30073 | Decatur | Dekalb | View Map |
| Georgia | 30074 | Redan | Dekalb | View Map |
| Georgia | 30075 | Roswell | Fulton | View Map |
| Georgia | 30076 | Roswell | Fulton | View Map |
| Georgia | 30077 | Roswell | Fulton | View Map |
| Georgia | 30078 | Snellville | Gwinnett | View Map |
| Georgia | 30079 | Scottdale | Dekalb | View Map |
| Georgia | 30080 | Smyrna | Cobb | View Map |
| Georgia | 30081 | Smyrna | Cobb | View Map |
| Georgia | 30082 | Smyrna | Cobb | View Map |
| Georgia | 30083 | Stone Mountain | Dekalb | View Map |
| Georgia | 30084 | Tucker | Dekalb | View Map |
| Georgia | 30085 | Tucker | Dekalb | View Map |
| Georgia | 30086 | Stone Mountain | Dekalb | View Map |
| Georgia | 30087 | Stone Mountain | Dekalb | View Map |
| Georgia | 30088 | Stone Mountain | Dekalb | View Map |
| Georgia | 30090 | Marietta | Cobb | View Map |
| Georgia | 30091 | Norcross | Gwinnett | View Map |
| Georgia | 30092 | Norcross | Gwinnett | View Map |
| Georgia | 30093 | Norcross | Gwinnett | View Map |
| Georgia | 30094 | Conyers | Rockdale | View Map |
| Georgia | 30095 | Duluth | Gwinnett | View Map |
| Georgia | 30096 | Duluth | Gwinnett | View Map |
| Georgia | 30097 | Duluth | Fulton | View Map |
| Georgia | 30098 | Duluth | Gwinnett | View Map |
| Georgia | 30099 | Duluth | Gwinnett | View Map |
| Georgia | 30101 | Acworth | Cobb | View Map |
| Georgia | 30102 | Acworth | Cherokee | View Map |
| Georgia | 30103 | Adairsville | Bartow | View Map |
| Georgia | 30104 | Aragon | Polk | View Map |
| Georgia | 30105 | Armuchee | Floyd | View Map |
| Georgia | 30106 | Austell | Cobb | View Map |
| Georgia | 30107 | Ball Ground | Cherokee | View Map |
| Georgia | 30108 | Bowdon | Carroll | View Map |
| Georgia | 30109 | Bowdon Junction | Carroll | View Map |
| Georgia | 30110 | Bremen | Haralson | View Map |
| Georgia | 30111 | Clarkdale | Cobb | View Map |
| Georgia | 30112 | Carrollton | Carroll | View Map |
| Georgia | 30113 | Buchanan | Haralson | View Map |
| Georgia | 30114 | Canton | Cherokee | View Map |
| Georgia | 30115 | Canton | Cherokee | View Map |
| Georgia | 30116 | Carrollton | Carroll | View Map |
| Georgia | 30117 | Carrollton | Carroll | View Map |
| Georgia | 30118 | Carrollton | Carroll | View Map |
| Georgia | 30119 | Carrollton | Carroll | View Map |
| Georgia | 30120 | Cartersville | Bartow | View Map |
| Georgia | 30121 | Cartersville | Bartow | View Map |
| Georgia | 30122 | Lithia Springs | Douglas | View Map |
| Georgia | 30123 | Cassville | Bartow | View Map |
| Georgia | 30124 | Cave Spring | Floyd | View Map |
| Georgia | 30125 | Cedartown | Polk | View Map |
| Georgia | 30126 | Mableton | Cobb | View Map |
| Georgia | 30127 | Powder Springs | Cobb | View Map |
| Georgia | 30129 | Coosa | Floyd | View Map |
| Georgia | 30132 | Dallas | Paulding | View Map |
| Georgia | 30133 | Douglasville | Douglas | View Map |
| Georgia | 30134 | Douglasville | Douglas | View Map |
| Georgia | 30135 | Douglasville | Douglas | View Map |
| Georgia | 30137 | Emerson | Bartow | View Map |
| Georgia | 30138 | Esom Hill | Polk | View Map |
| Georgia | 30139 | Fairmount | Gordon | View Map |
| Georgia | 30140 | Felton | Haralson | View Map |
| Georgia | 30141 | Hiram | Paulding | View Map |
| Georgia | 30142 | Holly Springs | Cherokee | View Map |
| Georgia | 30143 | Jasper | Pickens | View Map |
| Georgia | 30144 | Kennesaw | Cobb | View Map |
| Georgia | 30145 | Kingston | Bartow | View Map |
| Georgia | 30146 | Lebanon | Cherokee | View Map |
| Georgia | 30147 | Lindale | Floyd | View Map |
| Georgia | 30148 | Marble Hill | Pickens | View Map |
| Georgia | 30149 | Mount Berry | Floyd | View Map |
| Georgia | 30150 | Mount Zion | Carroll | View Map |
| Georgia | 30151 | Nelson | Cherokee | View Map |
| Georgia | 30152 | Kennesaw | Cobb | View Map |
| Georgia | 30153 | Rockmart | Polk | View Map |
| Georgia | 30154 | Douglasville | Douglas | View Map |
| Georgia | 30156 | Kennesaw | Cobb | View Map |
| Georgia | 30157 | Dallas | Paulding | View Map |
| Georgia | 30160 | Kennesaw | Cobb | View Map |
| Georgia | 30161 | Rome | Floyd | View Map |
| Georgia | 30162 | Rome | Floyd | View Map |
| Georgia | 30163 | Rome | Floyd | View Map |
| Georgia | 30164 | Rome | Floyd | View Map |
| Georgia | 30165 | Rome | Floyd | View Map |
| Georgia | 30168 | Austell | Cobb | View Map |
| Georgia | 30169 | Canton | Cherokee | View Map |
| Georgia | 30170 | Roopville | Carroll | View Map |
| Georgia | 30171 | Rydal | Bartow | View Map |
| Georgia | 30172 | Shannon | Floyd | View Map |
| Georgia | 30173 | Silver Creek | Floyd | View Map |
| Georgia | 30175 | Talking Rock | Pickens | View Map |
| Georgia | 30176 | Tallapoosa | Haralson | View Map |
| Georgia | 30177 | Tate | Pickens | View Map |
| Georgia | 30178 | Taylorsville | Bartow | View Map |
| Georgia | 30179 | Temple | Carroll | View Map |
| Georgia | 30180 | Villa Rica | Carroll | View Map |
| Georgia | 30182 | Waco | Haralson | View Map |
| Georgia | 30183 | Waleska | Cherokee | View Map |
| Georgia | 30184 | White | Bartow | View Map |
| Georgia | 30185 | Whitesburg | Carroll | View Map |
| Georgia | 30187 | Winston | Douglas | View Map |
| Georgia | 30188 | Woodstock | Cherokee | View Map |
| Georgia | 30189 | Woodstock | Cherokee | View Map |
| Georgia | 30204 | Barnesville | Lamar | View Map |
| Georgia | 30205 | Brooks | Fayette | View Map |
| Georgia | 30206 | Concord | Pike | View Map |
| Georgia | 30212 | Experiment | Spalding | View Map |
| Georgia | 30213 | Fairburn | Fulton | View Map |
| Georgia | 30214 | Fayetteville | Fayette | View Map |
| Georgia | 30215 | Fayetteville | Fayette | View Map |
| Georgia | 30216 | Flovilla | Butts | View Map |
| Georgia | 30217 | Franklin | Heard | View Map |
| Georgia | 30218 | Gay | Meriwether | View Map |
| Georgia | 30219 | Glenn | Heard | View Map |
| Georgia | 30220 | Grantville | Coweta | View Map |
| Georgia | 30222 | Greenville | Meriwether | View Map |
| Georgia | 30223 | Griffin | Spalding | View Map |
| Georgia | 30224 | Griffin | Spalding | View Map |
| Georgia | 30228 | Hampton | Henry | View Map |
| Georgia | 30229 | Haralson | Coweta | View Map |
| Georgia | 30230 | Hogansville | Troup | View Map |
| Georgia | 30233 | Jackson | Butts | View Map |
| Georgia | 30234 | Jenkinsburg | Butts | View Map |
| Georgia | 30236 | Jonesboro | Clayton | View Map |
| Georgia | 30237 | Jonesboro | Clayton | View Map |
| Georgia | 30238 | Jonesboro | Clayton | View Map |
| Georgia | 30240 | Lagrange | Troup | View Map |
| Georgia | 30241 | Lagrange | Troup | View Map |
| Georgia | 30248 | Locust Grove | Henry | View Map |
| Georgia | 30250 | Lovejoy | Clayton | View Map |
| Georgia | 30251 | Luthersville | Meriwether | View Map |
| Georgia | 30252 | Mcdonough | Henry | View Map |
| Georgia | 30253 | Mcdonough | Henry | View Map |
| Georgia | 30256 | Meansville | Pike | View Map |
| Georgia | 30257 | Milner | Lamar | View Map |
| Georgia | 30258 | Molena | Pike | View Map |
| Georgia | 30259 | Moreland | Coweta | View Map |
| Georgia | 30260 | Morrow | Clayton | View Map |
| Georgia | 30261 | Lagrange | Troup | View Map |
| Georgia | 30263 | Newnan | Coweta | View Map |
| Georgia | 30264 | Newnan | Coweta | View Map |
| Georgia | 30265 | Newnan | Coweta | View Map |
| Georgia | 30266 | Orchard Hill | Spalding | View Map |
| Georgia | 30268 | Palmetto | Fulton | View Map |
| Georgia | 30269 | Peachtree City | Fayette | View Map |
| Georgia | 30270 | Peachtree City | Fayette | View Map |
| Georgia | 30271 | Newnan | Coweta | View Map |
| Georgia | 30272 | Red Oak | Fulton | View Map |
| Georgia | 30273 | Rex | Clayton | View Map |
| Georgia | 30274 | Riverdale | Clayton | View Map |
| Georgia | 30275 | Sargent | Coweta | View Map |
| Georgia | 30276 | Senoia | Coweta | View Map |
| Georgia | 30277 | Sharpsburg | Coweta | View Map |
| Georgia | 30281 | Stockbridge | Henry | View Map |
| Georgia | 30284 | Sunny Side | Coweta | View Map |
| Georgia | 30285 | The Rock | Upson | View Map |
| Georgia | 30286 | Thomaston | Upson | View Map |
| Georgia | 30287 | Morrow | Clayton | View Map |
| Georgia | 30288 | Conley | Clayton | View Map |
| Georgia | 30289 | Turin | Coweta | View Map |
| Georgia | 30290 | Tyrone | Fayette | View Map |
| Georgia | 30291 | Union City | Fulton | View Map |
| Georgia | 30292 | Williamson | Pike | View Map |
| Georgia | 30293 | Woodbury | Meriwether | View Map |
| Georgia | 30294 | Ellenwood | Dekalb | View Map |
| Georgia | 30295 | Zebulon | Pike | View Map |
| Georgia | 30296 | Riverdale | Clayton | View Map |
| Georgia | 30297 | Forest Park | Clayton | View Map |
| Georgia | 30298 | Forest Park | Clayton | View Map |
| Georgia | 30301 | Atlanta | Fulton | View Map |
| Georgia | 30302 | Atlanta | Fulton | View Map |
| Georgia | 30303 | Atlanta | Fulton | View Map |
| Georgia | 30304 | Atlanta | Fulton | View Map |
| Georgia | 30305 | Atlanta | Fulton | View Map |
| Georgia | 30306 | Atlanta | Fulton | View Map |
| Georgia | 30307 | Atlanta | Fulton | View Map |
| Georgia | 30308 | Atlanta | Fulton | View Map |
| Georgia | 30309 | Atlanta | Fulton | View Map |
| Georgia | 30310 | Atlanta | Fulton | View Map |
| Georgia | 30311 | Atlanta | Fulton | View Map |
| Georgia | 30312 | Atlanta | Fulton | View Map |
| Georgia | 30313 | Atlanta | Fulton | View Map |
| Georgia | 30314 | Atlanta | Fulton | View Map |
| Georgia | 30315 | Atlanta | Fulton | View Map |
| Georgia | 30316 | Atlanta | Fulton | View Map |
| Georgia | 30317 | Atlanta | Dekalb | View Map |
| Georgia | 30318 | Atlanta | Fulton | View Map |
| Georgia | 30319 | Atlanta | Dekalb | View Map |
| Georgia | 30320 | Atlanta | Fulton | View Map |
| Georgia | 30321 | Atlanta | Fulton | View Map |
| Georgia | 30322 | Atlanta | Dekalb | View Map |
| Georgia | 30324 | Atlanta | Fulton | View Map |
| Georgia | 30325 | Atlanta | Fulton | View Map |
| Georgia | 30326 | Atlanta | Fulton | View Map |
| Georgia | 30327 | Atlanta | Fulton | View Map |
| Georgia | 30328 | Atlanta | Fulton | View Map |
| Georgia | 30329 | Atlanta | Dekalb | View Map |
| Georgia | 30330 | Atlanta | Fulton | View Map |
| Georgia | 30331 | Atlanta | Fulton | View Map |
| Georgia | 30332 | Atlanta | Fulton | View Map |
| Georgia | 30333 | Atlanta | Dekalb | View Map |
| Georgia | 30334 | Atlanta | Fulton | View Map |
| Georgia | 30336 | Atlanta | Fulton | View Map |
| Georgia | 30337 | Atlanta | Fulton | View Map |
| Georgia | 30338 | Atlanta | Dekalb | View Map |
| Georgia | 30339 | Atlanta | Fulton | View Map |
| Georgia | 30340 | Atlanta | Dekalb | View Map |
| Georgia | 30341 | Atlanta | Dekalb | View Map |
| Georgia | 30342 | Atlanta | Fulton | View Map |
| Georgia | 30343 | Atlanta | Fulton | View Map |
| Georgia | 30344 | Atlanta | Fulton | View Map |
| Georgia | 30345 | Atlanta | Dekalb | View Map |
| Georgia | 30346 | Atlanta | Dekalb | View Map |
| Georgia | 30347 | Atlanta | Fulton | View Map |
| Georgia | 30348 | Atlanta | Fulton | View Map |
| Georgia | 30349 | Atlanta | Fulton | View Map |
| Georgia | 30350 | Atlanta | Fulton | View Map |
| Georgia | 30353 | Atlanta | Fulton | View Map |
| Georgia | 30354 | Atlanta | Fulton | View Map |
| Georgia | 30355 | Atlanta | Fulton | View Map |
| Georgia | 30356 | Atlanta | Dekalb | View Map |
| Georgia | 30357 | Atlanta | Fulton | View Map |
| Georgia | 30358 | Atlanta | Fulton | View Map |
| Georgia | 30359 | Atlanta | Dekalb | View Map |
| Georgia | 30360 | Atlanta | Dekalb | View Map |
| Georgia | 30361 | Atlanta | Fulton | View Map |
| Georgia | 30362 | Atlanta | Dekalb | View Map |
| Georgia | 30363 | Atlanta | Fulton | View Map |
| Georgia | 30364 | Atlanta | Fulton | View Map |
| Georgia | 30366 | Atlanta | Dekalb | View Map |
| Georgia | 30368 | Atlanta | Fulton | View Map |
| Georgia | 30369 | Atlanta | Fulton | View Map |
| Georgia | 30370 | Atlanta | Fulton | View Map |
| Georgia | 30371 | Atlanta | Fulton | View Map |
| Georgia | 30374 | Atlanta | Fulton | View Map |
| Georgia | 30375 | Atlanta | Fulton | View Map |
| Georgia | 30376 | Atlanta | Fulton | View Map |
| Georgia | 30377 | Atlanta | Fulton | View Map |
| Georgia | 30378 | Atlanta | Fulton | View Map |
| Georgia | 30379 | Atlanta | Fulton | View Map |
| Georgia | 30380 | Atlanta | Fulton | View Map |
| Georgia | 30384 | Atlanta | Fulton | View Map |
| Georgia | 30385 | Atlanta | Fulton | View Map |
| Georgia | 30386 | Atlanta | Fulton | View Map |
| Georgia | 30387 | Atlanta | Fulton | View Map |
| Georgia | 30388 | Atlanta | Fulton | View Map |
| Georgia | 30389 | Atlanta | Fulton | View Map |
| Georgia | 30390 | Atlanta | Fulton | View Map |
| Georgia | 30392 | Atlanta | Fulton | View Map |
| Georgia | 30394 | Atlanta | Fulton | View Map |
| Georgia | 30396 | Atlanta | Fulton | View Map |
| Georgia | 30398 | Atlanta | Fulton | View Map |
| Georgia | 30399 | Atlanta | Fulton | View Map |
| Georgia | 30401 | Swainsboro | Emanuel | View Map |
| Georgia | 30410 | Ailey | Montgomery | View Map |
| Georgia | 30411 | Alamo | Wheeler | View Map |
| Georgia | 30412 | Alston | Montgomery | View Map |
| Georgia | 30413 | Bartow | Jefferson | View Map |
| Georgia | 30414 | Bellville | Evans | View Map |
| Georgia | 30415 | Brooklet | Bulloch | View Map |
| Georgia | 30417 | Claxton | Evans | View Map |
| Georgia | 30420 | Cobbtown | Tattnall | View Map |
| Georgia | 30421 | Collins | Tattnall | View Map |
| Georgia | 30423 | Daisy | Evans | View Map |
| Georgia | 30424 | Dover | Screven | View Map |
| Georgia | 30425 | Garfield | Emanuel | View Map |
| Georgia | 30426 | Girard | Burke | View Map |
| Georgia | 30427 | Glennville | Tattnall | View Map |
| Georgia | 30428 | Glenwood | Wheeler | View Map |
| Georgia | 30429 | Hagan | Evans | View Map |
| Georgia | 30434 | Louisville | Jefferson | View Map |
| Georgia | 30436 | Lyons | Toombs | View Map |
| Georgia | 30438 | Manassas | Tattnall | View Map |
| Georgia | 30439 | Metter | Candler | View Map |
| Georgia | 30441 | Midville | Burke | View Map |
| Georgia | 30442 | Millen | Jenkins | View Map |
| Georgia | 30445 | Mount Vernon | Montgomery | View Map |
| Georgia | 30446 | Newington | Screven | View Map |
| Georgia | 30447 | Norristown | Emanuel | View Map |
| Georgia | 30448 | Nunez | Emanuel | View Map |
| Georgia | 30449 | Oliver | Screven | View Map |
| Georgia | 30450 | Portal | Bulloch | View Map |
| Georgia | 30451 | Pulaski | Candler | View Map |
| Georgia | 30452 | Register | Bulloch | View Map |
| Georgia | 30453 | Reidsville | Tattnall | View Map |
| Georgia | 30454 | Rockledge | Laurens | View Map |
| Georgia | 30455 | Rocky Ford | Screven | View Map |
| Georgia | 30456 | Sardis | Burke | View Map |
| Georgia | 30457 | Soperton | Treutlen | View Map |
| Georgia | 30458 | Statesboro | Bulloch | View Map |
| Georgia | 30459 | Statesboro | Bulloch | View Map |
| Georgia | 30460 | Statesboro | Bulloch | View Map |
| Georgia | 30461 | Statesboro | Bulloch | View Map |
| Georgia | 30464 | Stillmore | Emanuel | View Map |
| Georgia | 30467 | Sylvania | Screven | View Map |
| Georgia | 30470 | Tarrytown | Montgomery | View Map |
| Georgia | 30471 | Twin City | Emanuel | View Map |
| Georgia | 30473 | Uvalda | Montgomery | View Map |
| Georgia | 30474 | Vidalia | Toombs | View Map |
| Georgia | 30475 | Vidalia | Toombs | View Map |
| Georgia | 30477 | Wadley | Jefferson | View Map |
| Georgia | 30499 | Reidsville | Tattnall | View Map |
| Georgia | 30501 | Gainesville | Hall | View Map |
| Georgia | 30502 | Chestnut Mountain | Hall | View Map |
| Georgia | 30503 | Gainesville | Hall | View Map |
| Georgia | 30504 | Gainesville | Hall | View Map |
| Georgia | 30506 | Gainesville | Hall | View Map |
| Georgia | 30507 | Gainesville | Hall | View Map |
| Georgia | 30510 | Alto | Habersham | View Map |
| Georgia | 30511 | Baldwin | Banks | View Map |
| Georgia | 30512 | Blairsville | Union | View Map |
| Georgia | 30513 | Blue Ridge | Fannin | View Map |
| Georgia | 30514 | Blairsville | Union | View Map |
| Georgia | 30515 | Buford | Gwinnett | View Map |
| Georgia | 30516 | Bowersville | Hart | View Map |
| Georgia | 30517 | Braselton | Jackson | View Map |
| Georgia | 30518 | Buford | Gwinnett | View Map |
| Georgia | 30519 | Buford | Gwinnett | View Map |
| Georgia | 30520 | Canon | Franklin | View Map |
| Georgia | 30521 | Carnesville | Franklin | View Map |
| Georgia | 30522 | Cherrylog | Gilmer | View Map |
| Georgia | 30523 | Clarkesville | Habersham | View Map |
| Georgia | 30525 | Clayton | Rabun | View Map |
| Georgia | 30527 | Clermont | Hall | View Map |
| Georgia | 30528 | Cleveland | White | View Map |
| Georgia | 30529 | Commerce | Jackson | View Map |
| Georgia | 30530 | Commerce | Banks | View Map |
| Georgia | 30531 | Cornelia | Habersham | View Map |
| Georgia | 30533 | Dahlonega | Lumpkin | View Map |
| Georgia | 30534 | Dawsonville | Dawson | View Map |
| Georgia | 30535 | Demorest | Habersham | View Map |
| Georgia | 30536 | Ellijay | Gilmer | View Map |
| Georgia | 30537 | Dillard | Rabun | View Map |
| Georgia | 30538 | Eastanollee | Stephens | View Map |
| Georgia | 30539 | East Ellijay | Gilmer | View Map |
| Georgia | 30540 | Ellijay | Gilmer | View Map |
| Georgia | 30541 | Epworth | Fannin | View Map |
| Georgia | 30542 | Flowery Branch | Hall | View Map |
| Georgia | 30543 | Gillsville | Hall | View Map |
| Georgia | 30544 | Demorest | Habersham | View Map |
| Georgia | 30545 | Helen | White | View Map |
| Georgia | 30546 | Hiawassee | Towns | View Map |
| Georgia | 30547 | Homer | Banks | View Map |
| Georgia | 30548 | Hoschton | Jackson | View Map |
| Georgia | 30549 | Jefferson | Jackson | View Map |
| Georgia | 30552 | Lakemont | Rabun | View Map |
| Georgia | 30553 | Lavonia | Franklin | View Map |
| Georgia | 30554 | Lula | Hall | View Map |
| Georgia | 30555 | Mc Caysville | Fannin | View Map |
| Georgia | 30557 | Martin | Stephens | View Map |
| Georgia | 30558 | Maysville | Banks | View Map |
| Georgia | 30559 | Mineral Bluff | Fannin | View Map |
| Georgia | 30560 | Morganton | Fannin | View Map |
| Georgia | 30562 | Mountain City | Rabun | View Map |
| Georgia | 30563 | Mount Airy | Habersham | View Map |
| Georgia | 30564 | Murrayville | Hall | View Map |
| Georgia | 30565 | Nicholson | Jackson | View Map |
| Georgia | 30566 | Oakwood | Hall | View Map |
| Georgia | 30567 | Pendergrass | Jackson | View Map |
| Georgia | 30568 | Rabun Gap | Rabun | View Map |
| Georgia | 30571 | Sautee Nacoochee | White | View Map |
| Georgia | 30572 | Suches | Union | View Map |
| Georgia | 30573 | Tallulah Falls | Rabun | View Map |
| Georgia | 30575 | Talmo | Jackson | View Map |
| Georgia | 30576 | Tiger | Rabun | View Map |
| Georgia | 30577 | Toccoa | Stephens | View Map |
| Georgia | 30580 | Turnerville | Habersham | View Map |
| Georgia | 30581 | Wiley | Rabun | View Map |
| Georgia | 30582 | Young Harris | Towns | View Map |
| Georgia | 30596 | Alto | Habersham | View Map |
| Georgia | 30597 | Dahlonega | Lumpkin | View Map |
| Georgia | 30598 | Toccoa Falls | Stephens | View Map |
| Georgia | 30599 | Commerce | Jackson | View Map |
| Georgia | 30601 | Athens | Clarke | View Map |
| Georgia | 30602 | Athens | Clarke | View Map |
| Georgia | 30603 | Athens | Clarke | View Map |
| Georgia | 30604 | Athens | Clarke | View Map |
| Georgia | 30605 | Athens | Clarke | View Map |
| Georgia | 30606 | Athens | Clarke | View Map |
| Georgia | 30607 | Athens | Clarke | View Map |
| Georgia | 30608 | Athens | Clarke | View Map |
| Georgia | 30609 | Athens | Clarke | View Map |
| Georgia | 30612 | Athens | Clarke | View Map |
| Georgia | 30619 | Arnoldsville | Oglethorpe | View Map |
| Georgia | 30620 | Bethlehem | Barrow | View Map |
| Georgia | 30621 | Bishop | Oconee | View Map |
| Georgia | 30622 | Bogart | Oconee | View Map |
| Georgia | 30623 | Bostwick | Morgan | View Map |
| Georgia | 30624 | Bowman | Elbert | View Map |
| Georgia | 30625 | Buckhead | Morgan | View Map |
| Georgia | 30627 | Carlton | Madison | View Map |
| Georgia | 30628 | Colbert | Madison | View Map |
| Georgia | 30629 | Comer | Madison | View Map |
| Georgia | 30630 | Crawford | Oglethorpe | View Map |
| Georgia | 30631 | Crawfordville | Taliaferro | View Map |
| Georgia | 30633 | Danielsville | Madison | View Map |
| Georgia | 30634 | Dewy Rose | Elbert | View Map |
| Georgia | 30635 | Elberton | Elbert | View Map |
| Georgia | 30638 | Farmington | Oconee | View Map |
| Georgia | 30639 | Franklin Springs | Franklin | View Map |
| Georgia | 30641 | Good Hope | Walton | View Map |
| Georgia | 30642 | Greensboro | Greene | View Map |
| Georgia | 30643 | Hartwell | Hart | View Map |
| Georgia | 30645 | High Shoals | Morgan | View Map |
| Georgia | 30646 | Hull | Madison | View Map |
| Georgia | 30647 | Ila | Madison | View Map |
| Georgia | 30648 | Lexington | Oglethorpe | View Map |
| Georgia | 30650 | Madison | Morgan | View Map |
| Georgia | 30655 | Monroe | Walton | View Map |
| Georgia | 30656 | Monroe | Walton | View Map |
| Georgia | 30660 | Rayle | Wilkes | View Map |
| Georgia | 30662 | Royston | Franklin | View Map |
| Georgia | 30663 | Rutledge | Morgan | View Map |
| Georgia | 30664 | Sharon | Taliaferro | View Map |
| Georgia | 30665 | Siloam | Greene | View Map |
| Georgia | 30666 | Statham | Barrow | View Map |
| Georgia | 30667 | Stephens | Oglethorpe | View Map |
| Georgia | 30668 | Tignall | Wilkes | View Map |
| Georgia | 30669 | Union Point | Greene | View Map |
| Georgia | 30671 | Maxeys | Oglethorpe | View Map |
| Georgia | 30673 | Washington | Wilkes | View Map |
| Georgia | 30677 | Watkinsville | Oconee | View Map |
| Georgia | 30678 | White Plains | Greene | View Map |
| Georgia | 30680 | Winder | Barrow | View Map |
| Georgia | 30683 | Winterville | Clarke | View Map |
| Georgia | 30701 | Calhoun | Gordon | View Map |
| Georgia | 30703 | Calhoun | Gordon | View Map |
| Georgia | 30705 | Chatsworth | Murray | View Map |
| Georgia | 30707 | Chickamauga | Walker | View Map |
| Georgia | 30708 | Cisco | Murray | View Map |
| Georgia | 30710 | Cohutta | Whitfield | View Map |
| Georgia | 30711 | Crandall | Murray | View Map |
| Georgia | 30719 | Dalton | Whitfield | View Map |
| Georgia | 30720 | Dalton | Whitfield | View Map |
| Georgia | 30721 | Dalton | Whitfield | View Map |
| Georgia | 30722 | Dalton | Whitfield | View Map |
| Georgia | 30724 | Eton | Murray | View Map |
| Georgia | 30725 | Flintstone | Walker | View Map |
| Georgia | 30726 | Graysville | Catoosa | View Map |
| Georgia | 30728 | La Fayette | Walker | View Map |
| Georgia | 30730 | Lyerly | Chattooga | View Map |
| Georgia | 30731 | Menlo | Chattooga | View Map |
| Georgia | 30732 | Oakman | Gordon | View Map |
| Georgia | 30733 | Plainville | Gordon | View Map |
| Georgia | 30734 | Ranger | Gordon | View Map |
| Georgia | 30735 | Resaca | Gordon | View Map |
| Georgia | 30736 | Ringgold | Catoosa | View Map |
| Georgia | 30738 | Rising Fawn | Dade | View Map |
| Georgia | 30739 | Rock Spring | Walker | View Map |
| Georgia | 30740 | Rocky Face | Whitfield | View Map |
| Georgia | 30741 | Rossville | Walker | View Map |
| Georgia | 30742 | Fort Oglethorpe | Catoosa | View Map |
| Georgia | 30746 | Sugar Valley | Gordon | View Map |
| Georgia | 30747 | Summerville | Chattooga | View Map |
| Georgia | 30750 | Lookout Mountain | Walker | View Map |
| Georgia | 30751 | Tennga | Murray | View Map |
| Georgia | 30752 | Trenton | Dade | View Map |
| Georgia | 30753 | Trion | Chattooga | View Map |
| Georgia | 30755 | Tunnel Hill | Whitfield | View Map |
| Georgia | 30756 | Varnell | Whitfield | View Map |
| Georgia | 30757 | Wildwood | Dade | View Map |
| Georgia | 30802 | Appling | Columbia | View Map |
| Georgia | 30803 | Avera | Jefferson | View Map |
| Georgia | 30805 | Blythe | Richmond | View Map |
| Georgia | 30806 | Boneville | Mcduffie | View Map |
| Georgia | 30807 | Camak | Warren | View Map |
| Georgia | 30808 | Dearing | Mcduffie | View Map |
| Georgia | 30809 | Evans | Columbia | View Map |
| Georgia | 30810 | Gibson | Glascock | View Map |
| Georgia | 30811 | Gough | Burke | View Map |
| Georgia | 30812 | Gracewood | Richmond | View Map |
| Georgia | 30813 | Grovetown | Columbia | View Map |
| Georgia | 30814 | Harlem | Columbia | View Map |
| Georgia | 30815 | Hephzibah | Richmond | View Map |
| Georgia | 30816 | Keysville | Burke | View Map |
| Georgia | 30817 | Lincolnton | Lincoln | View Map |
| Georgia | 30818 | Matthews | Jefferson | View Map |
| Georgia | 30819 | Mesena | Warren | View Map |
| Georgia | 30820 | Mitchell | Glascock | View Map |
| Georgia | 30821 | Norwood | Warren | View Map |
| Georgia | 30822 | Perkins | Jenkins | View Map |
| Georgia | 30823 | Stapleton | Jefferson | View Map |
| Georgia | 30824 | Thomson | Mcduffie | View Map |
| Georgia | 30828 | Warrenton | Warren | View Map |
| Georgia | 30830 | Waynesboro | Burke | View Map |
| Georgia | 30833 | Wrens | Jefferson | View Map |
| Georgia | 30901 | Augusta | Richmond | View Map |
| Georgia | 30903 | Augusta | Richmond | View Map |
| Georgia | 30904 | Augusta | Richmond | View Map |
| Georgia | 30905 | Augusta | Richmond | View Map |
| Georgia | 30906 | Augusta | Richmond | View Map |
| Georgia | 30907 | Augusta | Columbia | View Map |
| Georgia | 30909 | Augusta | Richmond | View Map |
| Georgia | 30911 | Augusta | Richmond | View Map |
| Georgia | 30912 | Augusta | Richmond | View Map |
| Georgia | 30913 | Augusta | Richmond | View Map |
| Georgia | 30914 | Augusta | Richmond | View Map |
| Georgia | 30916 | Augusta | Richmond | View Map |
| Georgia | 30917 | Augusta | Columbia | View Map |
| Georgia | 30919 | Augusta | Richmond | View Map |
| Georgia | 30999 | Augusta | Richmond | View Map |
| Georgia | 31001 | Abbeville | Wilcox | View Map |
| Georgia | 31002 | Adrian | Emanuel | View Map |
| Georgia | 31003 | Allentown | Wilkinson | View Map |
| Georgia | 31004 | Bolingbroke | Monroe | View Map |
| Georgia | 31005 | Bonaire | Houston | View Map |
| Georgia | 31006 | Butler | Taylor | View Map |
| Georgia | 31007 | Byromville | Dooly | View Map |
| Georgia | 31008 | Byron | Peach | View Map |
| Georgia | 31009 | Cadwell | Laurens | View Map |
| Georgia | 31010 | Cordele | Crisp | View Map |
| Georgia | 31011 | Chauncey | Dodge | View Map |
| Georgia | 31012 | Chester | Dodge | View Map |
| Georgia | 31013 | Clinchfield | Houston | View Map |
| Georgia | 31014 | Cochran | Bleckley | View Map |
| Georgia | 31015 | Cordele | Crisp | View Map |
| Georgia | 31016 | Culloden | Monroe | View Map |
| Georgia | 31017 | Danville | Twiggs | View Map |
| Georgia | 31018 | Davisboro | Washington | View Map |
| Georgia | 31019 | Dexter | Laurens | View Map |
| Georgia | 31020 | Dry Branch | Twiggs | View Map |
| Georgia | 31021 | Dublin | Laurens | View Map |
| Georgia | 31022 | Dudley | Laurens | View Map |
| Georgia | 31023 | Eastman | Dodge | View Map |
| Georgia | 31024 | Eatonton | Putnam | View Map |
| Georgia | 31025 | Elko | Houston | View Map |
| Georgia | 31026 | Eatonton | Putnam | View Map |
| Georgia | 31027 | East Dublin | Laurens | View Map |
| Georgia | 31028 | Centerville | Houston | View Map |
| Georgia | 31029 | Forsyth | Monroe | View Map |
| Georgia | 31030 | Fort Valley | Peach | View Map |
| Georgia | 31031 | Gordon | Wilkinson | View Map |
| Georgia | 31032 | Gray | Jones | View Map |
| Georgia | 31033 | Haddock | Jones | View Map |
| Georgia | 31034 | Hardwick | Baldwin | View Map |
| Georgia | 31035 | Harrison | Washington | View Map |
| Georgia | 31036 | Hawkinsville | Pulaski | View Map |
| Georgia | 31037 | Helena | Telfair | View Map |
| Georgia | 31038 | Hillsboro | Jasper | View Map |
| Georgia | 31039 | Howard | Taylor | View Map |
| Georgia | 31040 | Dublin | Laurens | View Map |
| Georgia | 31041 | Ideal | Macon | View Map |
| Georgia | 31042 | Irwinton | Wilkinson | View Map |
| Georgia | 31044 | Jeffersonville | Twiggs | View Map |
| Georgia | 31045 | Jewell | Warren | View Map |
| Georgia | 31046 | Juliette | Monroe | View Map |
| Georgia | 31047 | Kathleen | Houston | View Map |
| Georgia | 31049 | Kite | Johnson | View Map |
| Georgia | 31050 | Knoxville | Crawford | View Map |
| Georgia | 31051 | Lilly | Dooly | View Map |
| Georgia | 31052 | Lizella | Crawford | View Map |
| Georgia | 31054 | Mc Intyre | Wilkinson | View Map |
| Georgia | 31055 | Mc Rae | Telfair | View Map |
| Georgia | 31057 | Marshallville | Macon | View Map |
| Georgia | 31058 | Mauk | Marion | View Map |
| Georgia | 31059 | Milledgeville | Baldwin | View Map |
| Georgia | 31060 | Milan | Telfair | View Map |
| Georgia | 31061 | Milledgeville | Baldwin | View Map |
| Georgia | 31062 | Milledgeville | Baldwin | View Map |
| Georgia | 31063 | Montezuma | Macon | View Map |
| Georgia | 31064 | Monticello | Jasper | View Map |
| Georgia | 31065 | Montrose | Laurens | View Map |
| Georgia | 31066 | Musella | Crawford | View Map |
| Georgia | 31067 | Oconee | Washington | View Map |
| Georgia | 31068 | Oglethorpe | Macon | View Map |
| Georgia | 31069 | Perry | Houston | View Map |
| Georgia | 31070 | Pinehurst | Dooly | View Map |
| Georgia | 31071 | Pineview | Wilcox | View Map |
| Georgia | 31072 | Pitts | Wilcox | View Map |
| Georgia | 31075 | Rentz | Laurens | View Map |
| Georgia | 31076 | Reynolds | Taylor | View Map |
| Georgia | 31077 | Rhine | Dodge | View Map |
| Georgia | 31078 | Roberta | Crawford | View Map |
| Georgia | 31079 | Rochelle | Wilcox | View Map |
| Georgia | 31081 | Rupert | Taylor | View Map |
| Georgia | 31082 | Sandersville | Washington | View Map |
| Georgia | 31083 | Scotland | Telfair | View Map |
| Georgia | 31084 | Seville | Wilcox | View Map |
| Georgia | 31085 | Shady Dale | Jasper | View Map |
| Georgia | 31086 | Smarr | Monroe | View Map |
| Georgia | 31087 | Sparta | Hancock | View Map |
| Georgia | 31088 | Warner Robins | Houston | View Map |
| Georgia | 31089 | Tennille | Washington | View Map |
| Georgia | 31090 | Toomsboro | Wilkinson | View Map |
| Georgia | 31091 | Unadilla | Dooly | View Map |
| Georgia | 31092 | Vienna | Dooly | View Map |
| Georgia | 31093 | Warner Robins | Houston | View Map |
| Georgia | 31094 | Warthen | Washington | View Map |
| Georgia | 31095 | Warner Robins | Houston | View Map |
| Georgia | 31096 | Wrightsville | Johnson | View Map |
| Georgia | 31097 | Yatesville | Upson | View Map |
| Georgia | 31098 | Warner Robins | Houston | View Map |
| Georgia | 31099 | Warner Robins | Houston | View Map |
| Georgia | 31106 | Atlanta | Fulton | View Map |
| Georgia | 31107 | Atlanta | Fulton | View Map |
| Georgia | 31119 | Atlanta | Dekalb | View Map |
| Georgia | 31120 | Atlanta | Dekalb | View Map |
| Georgia | 31126 | Atlanta | Fulton | View Map |
| Georgia | 31131 | Atlanta | Fulton | View Map |
| Georgia | 31136 | Atlanta | Fulton | View Map |
| Georgia | 31139 | Atlanta | Fulton | View Map |
| Georgia | 31141 | Atlanta | Dekalb | View Map |
| Georgia | 31145 | Atlanta | Dekalb | View Map |
| Georgia | 31146 | Atlanta | Dekalb | View Map |
| Georgia | 31150 | Atlanta | Fulton | View Map |
| Georgia | 31156 | Atlanta | Fulton | View Map |
| Georgia | 31191 | Atlanta | Fulton | View Map |
| Georgia | 31192 | Atlanta | Fulton | View Map |
| Georgia | 31193 | Atlanta | Fulton | View Map |
| Georgia | 31195 | Atlanta | Fulton | View Map |
| Georgia | 31196 | Atlanta | Fulton | View Map |
| Georgia | 31197 | Atlanta | Fulton | View Map |
| Georgia | 31198 | Atlanta | Fulton | View Map |
| Georgia | 31199 | Atlanta | Fulton | View Map |
| Georgia | 31201 | Macon | Bibb | View Map |
| Georgia | 31202 | Macon | Bibb | View Map |
| Georgia | 31203 | Macon | Bibb | View Map |
| Georgia | 31204 | Macon | Bibb | View Map |
| Georgia | 31205 | Macon | Bibb | View Map |
| Georgia | 31206 | Macon | Bibb | View Map |
| Georgia | 31207 | Macon | Bibb | View Map |
| Georgia | 31208 | Macon | Bibb | View Map |
| Georgia | 31209 | Macon | Bibb | View Map |
| Georgia | 31210 | Macon | Bibb | View Map |
| Georgia | 31211 | Macon | Bibb | View Map |
| Georgia | 31212 | Macon | Bibb | View Map |
| Georgia | 31213 | Macon | Bibb | View Map |
| Georgia | 31216 | Macon | Bibb | View Map |
| Georgia | 31217 | Macon | Bibb | View Map |
| Georgia | 31220 | Macon | Bibb | View Map |
| Georgia | 31221 | Macon | Bibb | View Map |
| Georgia | 31294 | Macon | Bibb | View Map |
| Georgia | 31295 | Macon | Bibb | View Map |
| Georgia | 31296 | Macon | Bibb | View Map |
| Georgia | 31297 | Macon | Bibb | View Map |
| Georgia | 31301 | Allenhurst | Liberty | View Map |
| Georgia | 31302 | Bloomingdale | Chatham | View Map |
| Georgia | 31303 | Clyo | Effingham | View Map |
| Georgia | 31304 | Crescent | Mcintosh | View Map |
| Georgia | 31305 | Darien | Mcintosh | View Map |
| Georgia | 31307 | Eden | Effingham | View Map |
| Georgia | 31308 | Ellabell | Bryan | View Map |
| Georgia | 31309 | Fleming | Liberty | View Map |
| Georgia | 31310 | Hinesville | Liberty | View Map |
| Georgia | 31312 | Guyton | Effingham | View Map |
| Georgia | 31313 | Hinesville | Liberty | View Map |
| Georgia | 31314 | Fort Stewart | Liberty | View Map |
| Georgia | 31315 | Fort Stewart | Liberty | View Map |
| Georgia | 31316 | Ludowici | Long | View Map |
| Georgia | 31318 | Meldrim | Effingham | View Map |
| Georgia | 31319 | Meridian | Mcintosh | View Map |
| Georgia | 31320 | Midway | Liberty | View Map |
| Georgia | 31321 | Pembroke | Bryan | View Map |
| Georgia | 31322 | Pooler | Chatham | View Map |
| Georgia | 31323 | Riceboro | Liberty | View Map |
| Georgia | 31324 | Richmond Hill | Bryan | View Map |
| Georgia | 31326 | Rincon | Effingham | View Map |
| Georgia | 31327 | Sapelo Island | Mcintosh | View Map |
| Georgia | 31328 | Tybee Island | Chatham | View Map |
| Georgia | 31329 | Springfield | Effingham | View Map |
| Georgia | 31331 | Townsend | Mcintosh | View Map |
| Georgia | 31333 | Walthourville | Liberty | View Map |
| Georgia | 31401 | Savannah | Chatham | View Map |
| Georgia | 31402 | Savannah | Chatham | View Map |
| Georgia | 31403 | Savannah | Chatham | View Map |
| Georgia | 31404 | Savannah | Chatham | View Map |
| Georgia | 31405 | Savannah | Chatham | View Map |
| Georgia | 31406 | Savannah | Chatham | View Map |
| Georgia | 31407 | Savannah | Chatham | View Map |
| Georgia | 31408 | Savannah | Chatham | View Map |
| Georgia | 31409 | Savannah | Chatham | View Map |
| Georgia | 31410 | Savannah | Chatham | View Map |
| Georgia | 31411 | Savannah | Chatham | View Map |
| Georgia | 31412 | Savannah | Chatham | View Map |
| Georgia | 31414 | Savannah | Chatham | View Map |
| Georgia | 31415 | Savannah | Chatham | View Map |
| Georgia | 31416 | Savannah | Chatham | View Map |
| Georgia | 31418 | Savannah | Chatham | View Map |
| Georgia | 31419 | Savannah | Chatham | View Map |
| Georgia | 31420 | Savannah | Chatham | View Map |
| Georgia | 31421 | Savannah | Chatham | View Map |
| Georgia | 31501 | Waycross | Ware | View Map |
| Georgia | 31502 | Waycross | Ware | View Map |
| Georgia | 31503 | Waycross | Ware | View Map |
| Georgia | 31510 | Alma | Bacon | View Map |
| Georgia | 31512 | Ambrose | Coffee | View Map |
| Georgia | 31513 | Baxley | Appling | View Map |
| Georgia | 31515 | Baxley | Appling | View Map |
| Georgia | 31516 | Blackshear | Pierce | View Map |
| Georgia | 31518 | Bristol | Pierce | View Map |
| Georgia | 31519 | Broxton | Coffee | View Map |
| Georgia | 31520 | Brunswick | Glynn | View Map |
| Georgia | 31521 | Brunswick | Glynn | View Map |
| Georgia | 31522 | Saint Simons Island | Glynn | View Map |
| Georgia | 31523 | Brunswick | Glynn | View Map |
| Georgia | 31524 | Brunswick | Glynn | View Map |
| Georgia | 31525 | Brunswick | Glynn | View Map |
| Georgia | 31527 | Jekyll Island | Glynn | View Map |
| Georgia | 31532 | Denton | Jeff Davis | View Map |
| Georgia | 31533 | Douglas | Coffee | View Map |
| Georgia | 31534 | Douglas | Coffee | View Map |
| Georgia | 31535 | Douglas | Coffee | View Map |
| Georgia | 31537 | Folkston | Charlton | View Map |
| Georgia | 31539 | Hazlehurst | Jeff Davis | View Map |
| Georgia | 31542 | Hoboken | Brantley | View Map |
| Georgia | 31543 | Hortense | Brantley | View Map |
| Georgia | 31544 | Jacksonville | Telfair | View Map |
| Georgia | 31545 | Jesup | Wayne | View Map |
| Georgia | 31546 | Jesup | Wayne | View Map |
| Georgia | 31547 | Kings Bay | Camden | View Map |
| Georgia | 31548 | Kingsland | Camden | View Map |
| Georgia | 31549 | Lumber City | Telfair | View Map |
| Georgia | 31550 | Manor | Ware | View Map |
| Georgia | 31551 | Mershon | Pierce | View Map |
| Georgia | 31552 | Millwood | Ware | View Map |
| Georgia | 31553 | Nahunta | Brantley | View Map |
| Georgia | 31554 | Nicholls | Coffee | View Map |
| Georgia | 31555 | Odum | Wayne | View Map |
| Georgia | 31556 | Offerman | Pierce | View Map |
| Georgia | 31557 | Patterson | Pierce | View Map |
| Georgia | 31558 | Saint Marys | Camden | View Map |
| Georgia | 31560 | Screven | Wayne | View Map |
| Georgia | 31561 | Sea Island | Glynn | View Map |
| Georgia | 31562 | Saint George | Charlton | View Map |
| Georgia | 31563 | Surrency | Appling | View Map |
| Georgia | 31564 | Waresboro | Ware | View Map |
| Georgia | 31565 | Waverly | Camden | View Map |
| Georgia | 31566 | Waynesville | Brantley | View Map |
| Georgia | 31567 | West Green | Coffee | View Map |
| Georgia | 31568 | White Oak | Camden | View Map |
| Georgia | 31569 | Woodbine | Camden | View Map |
| Georgia | 31598 | Jesup | Wayne | View Map |
| Georgia | 31599 | Jesup | Wayne | View Map |
| Georgia | 31601 | Valdosta | Lowndes | View Map |
| Georgia | 31602 | Valdosta | Lowndes | View Map |
| Georgia | 31603 | Valdosta | Lowndes | View Map |
| Georgia | 31604 | Valdosta | Lowndes | View Map |
| Georgia | 31605 | Valdosta | Lowndes | View Map |
| Georgia | 31606 | Valdosta | Lowndes | View Map |
| Georgia | 31620 | Adel | Cook | View Map |
| Georgia | 31622 | Alapaha | Berrien | View Map |
| Georgia | 31623 | Argyle | Clinch | View Map |
| Georgia | 31624 | Axson | Atkinson | View Map |
| Georgia | 31625 | Barney | Brooks | View Map |
| Georgia | 31626 | Boston | Thomas | View Map |
| Georgia | 31627 | Cecil | Cook | View Map |
| Georgia | 31629 | Dixie | Brooks | View Map |
| Georgia | 31630 | Du Pont | Clinch | View Map |
| Georgia | 31631 | Fargo | Clinch | View Map |
| Georgia | 31632 | Hahira | Lowndes | View Map |
| Georgia | 31634 | Homerville | Clinch | View Map |
| Georgia | 31635 | Lakeland | Lanier | View Map |
| Georgia | 31636 | Lake Park | Lowndes | View Map |
| Georgia | 31637 | Lenox | Cook | View Map |
| Georgia | 31638 | Morven | Brooks | View Map |
| Georgia | 31639 | Nashville | Berrien | View Map |
| Georgia | 31641 | Naylor | Lowndes | View Map |
| Georgia | 31642 | Pearson | Atkinson | View Map |
| Georgia | 31643 | Quitman | Brooks | View Map |
| Georgia | 31645 | Ray City | Berrien | View Map |
| Georgia | 31647 | Sparks | Cook | View Map |
| Georgia | 31648 | Statenville | Echols | View Map |
| Georgia | 31649 | Stockton | Lanier | View Map |
| Georgia | 31650 | Willacoochee | Atkinson | View Map |
| Georgia | 31698 | Valdosta | Lowndes | View Map |
| Georgia | 31699 | Moody A F B | Lowndes | View Map |
| Georgia | 31701 | Albany | Dougherty | View Map |
| Georgia | 31702 | Albany | Dougherty | View Map |
| Georgia | 31703 | Albany | Dougherty | View Map |
| Georgia | 31704 | Albany | Dougherty | View Map |
| Georgia | 31705 | Albany | Dougherty | View Map |
| Georgia | 31706 | Albany | Dougherty | View Map |
| Georgia | 31707 | Albany | Dougherty | View Map |
| Georgia | 31708 | Albany | Dougherty | View Map |
| Georgia | 31709 | Americus | Sumter | View Map |
| Georgia | 31710 | Americus | Sumter | View Map |
| Georgia | 31711 | Andersonville | Sumter | View Map |
| Georgia | 31712 | Arabi | Crisp | View Map |
| Georgia | 31714 | Ashburn | Turner | View Map |
| Georgia | 31716 | Baconton | Mitchell | View Map |
| Georgia | 31719 | Americus | Sumter | View Map |
| Georgia | 31720 | Barwick | Brooks | View Map |
| Georgia | 31721 | Albany | Dougherty | View Map |
| Georgia | 31722 | Berlin | Colquitt | View Map |
| Georgia | 31727 | Brookfield | Tift | View Map |
| Georgia | 31730 | Camilla | Mitchell | View Map |
| Georgia | 31733 | Chula | Tift | View Map |
| Georgia | 31735 | Cobb | Sumter | View Map |
| Georgia | 31738 | Coolidge | Thomas | View Map |
| Georgia | 31739 | Cotton | Mitchell | View Map |
| Georgia | 31743 | De Soto | Sumter | View Map |
| Georgia | 31744 | Doerun | Colquitt | View Map |
| Georgia | 31747 | Ellenton | Colquitt | View Map |
| Georgia | 31749 | Enigma | Berrien | View Map |
| Georgia | 31750 | Fitzgerald | Ben Hill | View Map |
| Georgia | 31753 | Funston | Colquitt | View Map |
| Georgia | 31756 | Hartsfield | Colquitt | View Map |
| Georgia | 31757 | Thomasville | Thomas | View Map |
| Georgia | 31758 | Thomasville | Thomas | View Map |
| Georgia | 31760 | Irwinville | Irwin | View Map |
| Georgia | 31763 | Leesburg | Lee | View Map |
| Georgia | 31764 | Leslie | Sumter | View Map |
| Georgia | 31765 | Meigs | Thomas | View Map |
| Georgia | 31768 | Moultrie | Colquitt | View Map |
| Georgia | 31769 | Mystic | Irwin | View Map |
| Georgia | 31771 | Norman Park | Colquitt | View Map |
| Georgia | 31772 | Oakfield | Worth | View Map |
| Georgia | 31773 | Ochlocknee | Thomas | View Map |
| Georgia | 31774 | Ocilla | Irwin | View Map |
| Georgia | 31775 | Omega | Tift | View Map |
| Georgia | 31776 | Moultrie | Colquitt | View Map |
| Georgia | 31778 | Pavo | Thomas | View Map |
| Georgia | 31779 | Pelham | Mitchell | View Map |
| Georgia | 31780 | Plains | Sumter | View Map |
| Georgia | 31781 | Poulan | Worth | View Map |
| Georgia | 31782 | Putney | Dougherty | View Map |
| Georgia | 31783 | Rebecca | Turner | View Map |
| Georgia | 31784 | Sale City | Mitchell | View Map |
| Georgia | 31787 | Smithville | Lee | View Map |
| Georgia | 31788 | Moultrie | Colquitt | View Map |
| Georgia | 31789 | Sumner | Worth | View Map |
| Georgia | 31790 | Sycamore | Turner | View Map |
| Georgia | 31791 | Sylvester | Worth | View Map |
| Georgia | 31792 | Thomasville | Thomas | View Map |
| Georgia | 31793 | Tifton | Tift | View Map |
| Georgia | 31794 | Tifton | Tift | View Map |
| Georgia | 31795 | Ty Ty | Tift | View Map |
| Georgia | 31796 | Warwick | Worth | View Map |
| Georgia | 31798 | Wray | Irwin | View Map |
| Georgia | 31799 | Thomasville | Thomas | View Map |
| Georgia | 31801 | Box Springs | Talbot | View Map |
| Georgia | 31803 | Buena Vista | Marion | View Map |
| Georgia | 31804 | Cataula | Harris | View Map |
| Georgia | 31805 | Cusseta | Chattahoochee | View Map |
| Georgia | 31806 | Ellaville | Schley | View Map |
| Georgia | 31807 | Ellerslie | Harris | View Map |
| Georgia | 31808 | Fortson | Muscogee | View Map |
| Georgia | 31810 | Geneva | Talbot | View Map |
| Georgia | 31811 | Hamilton | Harris | View Map |
| Georgia | 31812 | Junction City | Talbot | View Map |
| Georgia | 31814 | Louvale | Stewart | View Map |
| Georgia | 31815 | Lumpkin | Stewart | View Map |
| Georgia | 31816 | Manchester | Meriwether | View Map |
| Georgia | 31820 | Midland | Muscogee | View Map |
| Georgia | 31821 | Omaha | Stewart | View Map |
| Georgia | 31822 | Pine Mountain | Harris | View Map |
| Georgia | 31823 | Pine Mountain Valley | Harris | View Map |
| Georgia | 31824 | Preston | Webster | View Map |
| Georgia | 31825 | Richland | Stewart | View Map |
| Georgia | 31826 | Shiloh | Harris | View Map |
| Georgia | 31827 | Talbotton | Talbot | View Map |
| Georgia | 31829 | Upatoi | Muscogee | View Map |
| Georgia | 31830 | Warm Springs | Meriwether | View Map |
| Georgia | 31831 | Waverly Hall | Harris | View Map |
| Georgia | 31832 | Weston | Webster | View Map |
| Georgia | 31833 | West Point | Troup | View Map |
| Georgia | 31836 | Woodland | Talbot | View Map |
| Georgia | 31901 | Columbus | Muscogee | View Map |
| Georgia | 31902 | Columbus | Muscogee | View Map |
| Georgia | 31903 | Columbus | Muscogee | View Map |
| Georgia | 31904 | Columbus | Muscogee | View Map |
| Georgia | 31905 | Fort Benning | Muscogee | View Map |
| Georgia | 31906 | Columbus | Muscogee | View Map |
| Georgia | 31907 | Columbus | Muscogee | View Map |
| Georgia | 31908 | Columbus | Muscogee | View Map |
| Georgia | 31909 | Columbus | Muscogee | View Map |
| Georgia | 31914 | Columbus | Muscogee | View Map |
| Georgia | 31917 | Columbus | Muscogee | View Map |
| Georgia | 31993 | Columbus | Muscogee | View Map |
| Georgia | 31995 | Fort Benning | Muscogee | View Map |
| Georgia | 31997 | Columbus | Muscogee | View Map |
| Georgia | 31998 | Columbus | Muscogee | View Map |
| Georgia | 31999 | Columbus | Muscogee | View Map |
| Georgia | 39813 | Arlington | Calhoun | View Map |
| Georgia | 39815 | Attapulgus | Decatur | View Map |
| Georgia | 39817 | Bainbridge | Decatur | View Map |
| Georgia | 39818 | Bainbridge | Decatur | View Map |
| Georgia | 39819 | Bainbridge | Decatur | View Map |
| Georgia | 39823 | Blakely | Early | View Map |
| Georgia | 39824 | Bluffton | Clay | View Map |
| Georgia | 39825 | Brinson | Decatur | View Map |
| Georgia | 39826 | Bronwood | Terrell | View Map |
| Georgia | 39827 | Cairo | Grady | View Map |
| Georgia | 39828 | Cairo | Grady | View Map |
| Georgia | 39829 | Calvary | Grady | View Map |
| Georgia | 39832 | Cedar Springs | Early | View Map |
| Georgia | 39834 | Climax | Decatur | View Map |
| Georgia | 39836 | Coleman | Randolph | View Map |
| Georgia | 39837 | Colquitt | Miller | View Map |
| Georgia | 39840 | Cuthbert | Randolph | View Map |
| Georgia | 39841 | Damascus | Early | View Map |
| Georgia | 39842 | Dawson | Terrell | View Map |
| Georgia | 39845 | Donalsonville | Seminole | View Map |
| Georgia | 39846 | Edison | Calhoun | View Map |
| Georgia | 39851 | Fort Gaines | Clay | View Map |
| Georgia | 39852 | Fowlstown | Decatur | View Map |
| Georgia | 39854 | Georgetown | Quitman | View Map |
| Georgia | 39859 | Iron City | Seminole | View Map |
| Georgia | 39861 | Jakin | Early | View Map |
| Georgia | 39862 | Leary | Calhoun | View Map |
| Georgia | 39866 | Morgan | Calhoun | View Map |
| Georgia | 39867 | Morris | Quitman | View Map |
| Georgia | 39870 | Newton | Baker | View Map |
| Georgia | 39877 | Parrott | Terrell | View Map |
| Georgia | 39885 | Sasser | Terrell | View Map |
| Georgia | 39886 | Shellman | Randolph | View Map |
| Georgia | 39897 | Whigham | Grady | View Map |
| Georgia | 39901 | Atlanta | Dekalb | View Map |
| Georgia |
