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GA FHA Loans in Georgia

FHA loans differ from conventional loans in a number of ways. The down payment required for an FHA-insured loan is usually much lower than for conventional loans. FHA loans also have lower credit requirements than conventional loans, making them more available to a wider range of potential homebuyers.


FHA loans offer GA residents several other valuable benefits, not least of which is those aforementioned smaller down payments. Unlike a conventional loan, which ordinarily requires 10-20% down, FHA-insured loans only require down payments as low as 3-5%. The FHA is also more flexible in calculating factors to determine whether or not to approve the loan, factors such as household income and repayment ratios.

Local FHA Loan directory for GA :
Cadwell Cedartown Cleveland Conley
Cairo Centerville Climax Conyers
Calhoun Chatsworth Clinchfield Coolidge
Calvary Chauncey Clyo Coosa
Camak Cherrylog Cobb Cordele
Camilla Chester Cobbtown Cornelia
Canon Chestnut Mountain Cochran Cotton
Canton Chickamauga Cohutta Covington
Carlton Chula Colbert Crandall
Carnesville Cisco Coleman Crawford
Carrollton Clarkdale Collins Crawfordville
Cartersville Clarkesville Colquitt Crescent
Cassville Clarkston Columbus Culloden
Cataula Claxton Comer Cumming
Cave Spring Clayton Commerce Cusseta
Cecil Clermont Concord Cuthbert
Cedar Springs

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(800) 675-9783

Georgia News
Host or Attend a Debate Watch Oct.15

The final presidential debate is this Wednesday, October 15th, at 9:00 p.m. Eastern.

It's the last chance for undecided voters to see Barack and John McCain side-by-side and determine who will bring the change this country needs.

And it will be the final time before election night to come together in this way with your friends, family, and fellow supporters.

Make the most of this opportunity by signing up to host a Debate Watch Party -- or attend one near you.

If you've joined us for an event before, you know how powerful they can be to help build support and grow our movement.

If you haven't, it's a terrific way to connect with fellow supporters and folks who may just be making up their minds.

If you can host an event, we'll make sure you have everything you need to make it a success. We're having a special conference call for Debate Watch Party hosts on Tuesday, when we'll give you ideas for how to get your guests involved in the rest of the campaign.

In these final weeks, each of us needs to do whatever we can to keep strengthening this campaign and encourage undecided voters to cast their votes for change.

Sign up to host or attend a Debate Watch Party now: Thanks, Jon

Jon Carson National Field Director Obama for America

Life Shouldn't Hurt---But If It Does--Please Contact Spine Care & Pain Management

What is the primary purpose of your business?

There are three other physicians in our practice besides myself, Reginald Strother, M.D., Richard Campbell, M.D. and Braxton Turner, M.D.

We all treat acute and chronic pain and the complications of pain. We also educate individuals and their families about the various treatment options available to them.

What is your business background?

I attended Morehouse School of Medicine in Atlanta and completed my residency program at Emory University Hospital in Atlanta. I trained in anesthesiology and had advanced training in interventional pain management techniques. All of our physicians are board certified in anesthesia and pain management.

Why did you start this particular business?

Most people don't realize that the families suffer as well when a person they love is in pain. I started this medical practice because I am committed to helping patients, and their families, who suffer from pain to improve their quality of life.

What makes your business unique?

We are anesthesia trained physicians that have a subspecialty in pain management. We are experts at diagnosing why you are having pain as well as treating the pain itself.

We combine the skills of board certified physicians, licensed physical therapists, nationally certified massage therapists, registered nurses and various other professionals - all with expertise and interests in managing acute and chronic pain.

Budget cuts take toll on crisis centers

Phones are ringing off the hook at Georgia's violence crisis centers as the tough economy translates into more reports of abuse in cash-strapped homes.

Buy Elliott Brack's Book---Gwinnett: A Little Above Atlanta---A Must Read


"Having an interest in Gwinnett County history, particularly since 1950, Elliott Brack's book, Gwinnett: A Little Above Atlanta, is a must have.

"Informative and enlightening, it gives the origin and development of the all the major governmental agencies and a picture of the business community as well a highlighting those persons who made it happen.

Elliott's book, containing little known facts and long forgotten stories, explaining the phenomenal growth of one of the fastest growing counties in the nation will be read and quoted for years to come." Lawrenceville attorney Jones Webb

Gwinnett: A Little Above Atlanta did not start out to become a thick reference book.

Author Elliott Brack started to write a 100-page book about Gwinnett that people could send to friends to tell about the county.....but it grew and grew. (See Contents)

The book is essentially a history of one of the fastest growing counties in the nation since 1950, with emphasis on how the fast growth took place, who directed it and the consequences. In the meantime, Gwinnett has developed into the second biggest county in the state, and the most diverse.

The book is crammed with statistics with more than 125 tables in the Appendix that detail lists of public officials, to schools, service clubs, miles of roads and honorees of various organizations. There must be more than 5,000 names in the Appendix.

And what happens when in Gwinnett? You can determine when it's best to hold an event by checking out the only up-to-date annual calendar of events in the county.

You'll find Gwinnett: A Little Above Atlanta captures the lives and the stories behind many significant people of the county, while giving insights into the amazing growth and development of this fascinating county. Buy the book.


Elliott Brack is a native Georgian and veteran newspaperman at three different levels.

He published the weekly Wayne County Press for 12 years; was for 13 years the vice president and general manager of Gwinnett Daily News, and for 13 years was associate publisher of the Gwinnett section of the Atlanta Journal and Constitution. He now publishes, in retirement, two Web sites on Gwinnett and Georgia news.

He lives with his wife of 51 years in Norcross. They have three children and two grandchildren.


Snellville,Georgia News Welcomes Tom Livsey---Editor of Local News

Now you can find out what's going on in your local neighborhood from people who work and live there. Do you have some news? Submit your news TODAY !
Georgia Mountain Fall Festival

Georgia Mountain Fall Festival Sorry, NO PETS ALLOWED Tickets: $9.00 Parking Fee: $2.00

Look forward to the annual Georgia Mountain Fall Festival.

With first class musical performances, unique attractions and a glimpse into North Georgia's rich history and culture, the Fall Festival provides something for every member of the family.

Don't miss our fantastic new 2008 attractions including Brett Marshall bicycle stunt Show and Glen McLean broom making demonstration.

Our festival also has a great music performance lineup with groups such as Tracy Byrd, Helen Cornelius, Ronnie McDowell, Connie Smith, Sammy Kershaw, John Conlee, Janie Fricke, T.G. Sheppard, And Many More.

Please visit for more info below:
Fulton County judge denies voter ID challenge

A Fulton County judge ruled on Friday that Georgia voters will have to present a photo ID when casting a ballot in November's general election, denying an effort by state Democrats who argued the law ...

State tax collections for September went in the right direction

The news on Georgia's fiscal crisis is like recent rains - welcomed, but not enough to fix the problem.

Ga. voting checks need fed OK

The U.S. Department of Justice is questioning a high number of requests by Georgia officials to check the Social Security numbers of newly registered voters.

Halloween Display Offends Some

Melissa Neese said she didnt mean to cause a stir with the choice of Halloween decorations outside her Cherokee County home.

Community Calendar

9, Savannah History Museum, 303 MLK, Jr. Blvd. You are invited to march in the path of the French and American attack on the British-held Spring Hill Redoubt, the site of the new Battlefield Memorial.

A former MARTA chairman who's been accused of performing a sex

A former MARTA chairman who's been accused of performing a sex act in an airport bathroom will be hired to give financial advice to Clayton County.

Ga. School Board Considers Lifting Charter School Cap

The state Board of Education is considering lifting a cap on how many public school systems can convert to charter districts each year.

More than 100 Ga. Stations Defending Inflated Gas Prices

Nearly 150 Georgia gas stations are having to defend why they charged inflated prices after Hurricanes Gustav and Ike made fuel scarce over the last month.

Georgia pastor pleads guilty to killing deacon

An assistant pastor accused of the 2004 love-triangle killing of a deacon in his church has pleaded guilty to the crime.

Suspect Questioned in Break-Ins at Fraternities

Athens-Clarke police have identified a possible suspect in burglaries at eight University of Georgia fraternities and two other off-campus houses.

Voters face three state amendments

Georgia voters must decide the fate of three constitutional amendments in this year's elections.

Labor Shifts In Georgia Means Longer Days

The Georgia Department of Labor is shifting to 10-hour work days. State Labor Commissioner Michael Thurmond announced Tuesday that the department is switching to an alternative work schedule that will have ...

Hall County Schools to Lift Hiatus on Field Trips

The Hall County school district is resuming field trips after a two-week hiatus because of the state's gas shortage.

Slaves secretly guided by quilts

Each patch on the intricate quilts helped take slaves one step closer to the freedom they'd only dreamed about.

Save time with our easy online mortgage application.
With Somerset's many FHA home loan programs, owning your dream home is more than just a dream.
"I prayed day and night for a miracle...In less than a week, (Somerset) was able to stop the foreclosure and get a new mortgage for me. It was the best of times...I have Somerset Mortgage Lenders to thank until eternity for the miracle they were able to make come true." - Diane B.
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