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Georgia Self Employed Mortgage Lenders-No Tax Returns

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
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