Georgia Manual Underwriting Mortgage Approvals! Serving Every City and County in Georgia!  VA Manual Underwrite Georgia Manual Underwriting Guidelines Maximum DTI is 45% Residual of 120% is required Maximum housing shock of 25% 2 Months reserves Minimum FICO is 580  FHA Manual Underwrite Lenders Specifications  CREDIT SCORE RANGE MAXIMUM QUALIFYING RATIOS APPLICABLE GUIDELINE 500 – 579 ·31/43 ·Energy Efficient Homes…