No Tax Return-Georgia Bank Statement Only Mortgage Lenders

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Georgia Self Employed Mortgage Lenders provide for two (2) additional documentation options to determine a Georgia Self Employed Mortgage Applicants qualifying income.  Under this program either of the following will be acceptable;

  • 12-months personal Georgia Bank Statements; or
  • 24-months business Georgia Bank Statements  

NO Tax Return Self-Employed Mortgage Lenders

Georgia Bank Statement mortgage Lenders provide the perfect option for self-employed borrowers who do not have the tax documents to prove their ability to pay. We can offer up to 90% LTV on personal and business and 55% DTI with scores as low as580.

  • 2 year self-employed or same line of work required
  • No tax returns required
  • 12 month personal Georgia Bank Statements
  • 12 month business Georgia Bank Statements
  • Loans up to $3 million
  • Credit scores down to 600
  • Up to 90% LTV on Personal and Business with no MI
  • DTI up to 55% considered
  • Owner-occupied, 2nd homes and investment properties
  • 1 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Non-warrantable condos considered
  • Jumbo loans down to 600 score
  • 5/1 ARM or 30-year fixed
  • No prepayment penalty for owner-occ and 2nd homes
  • Seller concessions up to  to 6% (2% for investment)

Georgia Self Employed Mortgage Applicants General Mortgage Requirements
Under this program, all Georgia Self Employed Mortgage Applicants must be Self-employed.
Refer to the applicable Program Matrices for credit score, ratio and LTV restrictions.

Georgia Self Employed Mortgage Income Calculations for Georgia Bank Statements
Personal Georgia Bank Statement Mortgage Lenders Average The following requirements apply when calculating qualifying income using personal Georgia Bank Statements:

  • All parties on the self-employed banks statement loan must be on the loan; and
  • Qualifying income is defined as 100% of deposits, averaged over a twelve (12) month period; and
  • Georgia Bank Statement Statements must be consecutive and reflect the most recent months available; and
  • Transfers from a Georgia Self Employed Mortgage Applicants business bank account to personal account are allowed; and
  • If the Georgia Bank Statements provided reflect payments being made on obligations not listed on the credit report, refer to Undisclosed Debts for additional guidance.

Georgia Self Employed Georgia Bank Statement Documentation Requirements

Most recent twelve (12) months consecutive Georgia Bank Statements IRS transcripts are not required under the personal Georgia Bank Statement program.  In the event one or more Georgia Self Employed Mortgage Applicants) are wage earners IRS transcript are still not required for income calculations.

Business Georgia Bank Statement Only Mortgage Lenders

The following requirements apply when calculating qualifying income using business Georgia Bank Statement mortgage applicants:

  • Georgia Self Employed Mortgage Applicants must be 100% owner of the business; and
  • Qualifying income is defined as, the total deposits, less the percent of business expenses, annualized.

Business Georgia Bank Statements Expense to Income Ratio

The percentage of expenses used to determine the Georgia Self Employed Mortgage Applicants qualifying income, can never less than 10%of the total deposits.

For Georgia Bank Statement mortgage approvals purposes, a Business Expense, CPA Statements or Profit and Loss Statements reflecting an expense ratio of less than the minimum required (10%), the percentage used to determine the qualifying income will be adjusted to the 10% minimum.

Georgia Self Employed Georgia Self Employed Mortgage Applicants Documentation Requirements

A Third Party or CPA prepared Business Expense Statement or Profit and Loss Statements, which is less  than 90-days old at the time closing, must specify the total business expenses as a percent of the gross revenue.  Twenty-four (24) month business Georgia Bank Statements covering the same time period as the Business Expense Statement.

Georgia Self Employed MORTGAGE RATIO REQUIREMENT OCCUPANCY HOUSING RATIO DTI

  • primary Residence 40% 50%
  • Second Home N/A 50%
  • Investment N/A 50%

Georgia Self Employed Mortgage Initial Disclosed Income

Income disclosed on the initial signed application should be reviewed. If income calculated is significantly higher than income stated on 1003, the underwriter should request an explanation from the Georgia Self Employed Mortgage Applicants to determine the acceptability of the income.

Income Georgia Self Employed Mortgage Applicants

The income of each Georgia Bank Statement only mortgage applicant who will be obligated for the mortgage debt and whose income is being relied upon in determining ability to repay must be analyzed to determine whether his/her income level can be reasonably expected to

continue.Georgia Self EmployedGeorgia Self Employed Mortgage applicant Income may not be used in calculating the Georgia Self Employed Mortgage Applicants debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue. All Georgia Self Employed Mortgage Applicants income documentation used for qualification must be dated within 90-days of closing.

Georgia Bank Statement Only Mortgage Lenders Program Restrictions  

The following restrictions apply when using Georgia Bank Statement documentation:

  • Georgia Self Employed Mortgage Applicants must qualify with Standard Trade Lines as per Trade Line Requirements section.
  • Non-permanent resident aliens and foreign nationals are not eligible.
  • Payroll deposits into accounts from other employment must be reflected as direct deposits and may not be included in the Georgia Bank Statement average. W-2 earnings must be documented as per therequirements in Salaried/Wage-Earners section.
  • A consistent pattern of withdrawals exceeding deposits on a monthly basis or evidence of a declinein earnings may result in disqualification.
  • NSF and overdraft activity must be reviewed for acceptability.

Income derived solely from the ownership of rental properties must be calculated per tthe requirements

in Rental Income section. Georgia Self Employed Mortgage Applicantss who receive rental income as a secondary

income source may utilize Georgia Bank Statement documentation on a case-by-case basis.

  • Non-Profit organizations are not eligible under the Business Georgia Bank Statement Program.

Georgia Self Employed Mortgage Applicants Credit and Liabilities

A U.S. credit report is required for each borrower on the loan who will sign the Note. The credit report should provide merged credit information from the three major national credit repositories. A minimum of two credit scores is required.  The credit report should include verification of all credit references provided on the loan application and must certify the results of public record searches for each city where the borrower has resided in the last two (2) years. Either a three bureau merged report or a Residential Mortgage Credit Report (RMCR) is required.

Alimony and Child Support Georgia Self Employed Mortgage Applicants

Income received from alimony or child support must continue for at least three (3) years.Evidence that the Georgia Self Employed Mortgage Applicants has received the payments for the six (6) months preceding the loan application by way of court ledgers or statements, bank deposit slips, signed tax returns, cancelled checks, or other legally accepted evidence ofreceipt.

Annuity Income For Georgia Self Employed Mortgage Applicants

Annuities less than twelve (12) months old must be in a non-revocable trust with a minimum term of 40-months in order to use as qualifying income. A twelve (12) month history of receipt must be verified using 1099’s, tax returns, and/or Georgia Bank Statements. The account asset balance must support the continuance of the monthly payments for a least three (3) years after the closing date.

Documentation Requirements Georgia Self Employed Mortgage Applicants

Letter from issuer of annuity to be obtained stating that it has been set up on periodic withdrawal, amount of withdrawal, duration and balance; and Proof of receipt documented with the most recent two (2) years signed federal tax returns, two (2) most recent Georgia Bank Statements or deposit slips. Documentation must confirm the amount, duration, and frequency of the income, as well as the likelihood of continuance for three (3) years.

Auto Allowance and Expense Account Payments  Georgia Self Employed Mortgage Applicants

Income from this source can be used if a two (2) year history of receipt can be confirmed and documented with the most recent two years signed federal tax returns and the income is reported on IRS Form 2106.Documentation provided to support this income must specify the amount, duration and frequency of the income and the corresponding expenses must match the same time period as the income from the employer.

Georgia Bank Statement Program

Georgia Self Employed Mortgage Applicantss seeking to document income using personal or business Georgia Bank Statements must follow the requirements as outlined within the Georgia Bank Statement Program.

Georgia Self Employed Mortgage Lenders

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Serving All Cities And Counties In  Georgia
Abbeville Wilcox GA, Georgia
Acworth Cobb GA, Georgia
Adairsville Bartow GA, Georgia
Adel Cook GA, Georgia
Adrian Emanuel GA, Georgia
Ailey Montgomery GA, Georgia
Alamo Wheeler GA, Georgia
Alapaha Berrien GA, Georgia
Albany Dougherty GA, Georgia
Aldora Lamar GA, Georgia
Allenhurst Liberty GA, Georgia
Allentown Wilkinson GA, Georgia
Alma Bacon GA, Georgia
Alpharetta Fulton GA, Georgia
Alston Montgomery GA, Georgia
Alto Habersham GA, Georgia
Ambrose Coffee GA, Georgia
Americus Sumter GA, Georgia
Andersonville Sumter GA, Georgia
Arabi Crisp GA, Georgia
Aragon Polk GA, Georgia
Arcade Jackson GA, Georgia
Argyle Clinch GA, Georgia
Arlington Calhoun GA, Georgia
Ashburn Turner GA, Georgia
Athens Athens-Clarke GA, Georgia
Atlanta Fulton GA, Georgia
Attapulgus Decatur GA, Georgia
Auburn Barrow GA, Georgia
Augusta Augusta-Richmond GA, Georgia
Austell Cobb GA, Georgia
Avera Jefferson GA, Georgia
Avondale Estates DeKalb GA, Georgia
Baconton Mitchell GA, Georgia
Bainbridge Decatur GA, Georgia
Baldwin Habersham GA, Georgia
Ball Ground Cherokee GA, Georgia
Barnesville Lamar GA, Georgia
Bartow Jefferson GA, Georgia
Barwick Thomas GA, Georgia
Baxley Appling GA, Georgia
Berkeley Lake Gwinnett GA, Georgia
Berlin Colquitt GA, Georgia
Bethlehem Barrow GA, Georgia
Bishop Oconee GA, Georgia
Blackshear Pierce GA, Georgia
Blairsville Union GA, Georgia
Blakely Early GA, Georgia
Bloomingdale Chatham GA, Georgia
Blue Ridge Fannin GA, Georgia
Bluffton Clay GA, Georgia
Blythe Augusta-Richmond GA, Georgia
Bogart Oconee GA, Georgia
Boston Thomas GA, Georgia
Bostwick Morgan GA, Georgia
Bowdon Carroll GA, Georgia
Bowersville Hart GA, Georgia
Bowman Elbert GA, Georgia
Braselton Jackson GA, Georgia
Braswell Paulding GA, Georgia
Bremen Haralson GA, Georgia
Brinson Decatur GA, Georgia
Bronwood Terrell GA, Georgia
Brookhaven DeKalb GA, Georgia
Brooklet Bulloch GA, Georgia
Brooks Fayette GA, Georgia
Broxton Coffee GA, Georgia
Brunswick Glynn GA, Georgia
Buchanan Haralson GA, Georgia
Buckhead Morgan GA, Georgia
Buena Vista Marion GA, Georgia
Buford Gwinnett GA, Georgia
Butler Taylor GA, Georgia
Byromville Dooly GA, Georgia
Byron Peach GA, Georgia
Cadwell Laurens GA, Georgia
Cairo Grady GA, Georgia
Calhoun Gordon GA, Georgia
Camak Warren GA, Georgia
Camilla Mitchell GA, Georgia
Canon Franklin GA, Georgia
Canton Cherokee GA, Georgia
Carl Barrow GA, Georgia
Carlton Madison GA, Georgia
Carnesville Franklin GA, Georgia
Carrollton Carroll GA, Georgia
Cartersville Bartow GA, Georgia
Cave Spring Floyd GA, Georgia
Cecil Cook GA, Georgia
Cedartown Polk GA, Georgia
Centerville Houston GA, Georgia
Centralhatchee Heard GA, Georgia
Chamblee DeKalb GA, Georgia
Chatsworth Murray GA, Georgia
Chattahoochee Hills Fulton GA, Georgia
Chauncey Dodge GA, Georgia
Chester Dodge GA, Georgia
Chickamauga Walker GA, Georgia
Clarkesville Habersham GA, Georgia
Clarkston DeKalb GA, Georgia
Claxton Evans GA, Georgia
Clayton Rabun GA, Georgia
Clermont Hall GA, Georgia
Cleveland White GA, Georgia
Climax Decatur GA, Georgia
Cobbtown Tattnall GA, Georgia
Cochran Bleckley GA, Georgia
Cohutta Whitfield GA, Georgia
Colbert Madison GA, Georgia
College Park Fulton GA, Georgia
Collins Tattnall GA, Georgia
Colquitt Miller GA, Georgia
Columbus Columbus-Muscogee GA, Georgia
Comer Madison GA, Georgia
Commerce Jackson GA, Georgia
Concord Pike GA, Georgia
Conyers Rockdale GA, Georgia
Coolidge Thomas GA, Georgia
Cordele Crisp GA, Georgia
Cornelia Habersham GA, Georgia
Covington Newton GA, Georgia
Crawford Oglethorpe GA, Georgia
Crawfordville Taliaferro GA, Georgia
Culloden Monroe GA, Georgia
Cumming Forsyth GA, Georgia
Cusseta Cusseta-Chattahoochee GA, Georgia
Cuthbert Randolph GA, Georgia
Dacula Gwinnett GA, Georgia
Dahlonega Lumpkin GA, Georgia
Dallas Paulding GA, Georgia
Dalton Whitfield GA, Georgia
Damascus Early GA, Georgia
Danielsville Madison GA, Georgia
Danville Twiggs GA, Georgia
Darien McIntosh GA, Georgia
Dasher Lowndes GA, Georgia
Davisboro Washington GA, Georgia
Dawson Terrell GA, Georgia
Dawsonville Dawson GA, Georgia
De Soto Sumter GA, Georgia
Dearing McDuffie GA, Georgia
Decatur DeKalb GA, Georgia
Deepstep Washington GA, Georgia
Demorest Habersham GA, Georgia
Dexter Laurens GA, Georgia
Dillard Rabun GA, Georgia
Doerun Colquitt GA, Georgia
Donalsonville Seminole GA, Georgia
Dooling Dooly GA, Georgia
Doraville DeKalb GA, Georgia
Douglas Coffee GA, Georgia
Douglasville Douglas GA, Georgia
Du Pont Clinch GA, Georgia
Dublin Laurens GA, Georgia
Dudley Laurens GA, Georgia
Duluth Gwinnett GA, Georgia
Dunwoody DeKalb GA, Georgia
East Dublin Laurens GA, Georgia
East Ellijay Gilmer GA, Georgia
East Point Fulton GA, Georgia
Eastman Dodge GA, Georgia
Eatonton Putnam GA, Georgia
Edge Hill Glascock GA, Georgia
Edison Calhoun GA, Georgia
Elberton Elbert GA, Georgia
Ellaville Schley GA, Georgia
Ellenton Colquitt GA, Georgia
Ellijay Gilmer GA, Georgia
Emerson Bartow GA, Georgia
Enigma Berrien GA, Georgia
Ephesus Heard GA, Georgia
Eton Murray GA, Georgia
Euharlee Bartow GA, Georgia
Fairburn Fulton GA, Georgia
Fairmount Gordon GA, Georgia
Fargo Clinch GA, Georgia
Fayetteville Fayette GA, Georgia
Fitzgerald Ben Hill GA, Georgia
Flemington Liberty GA, Georgia
Flovilla Butts GA, Georgia
Flowery Branch Hall GA, Georgia
Folkston Charlton GA, Georgia
Forest Park Clayton GA, Georgia
Forsyth Monroe GA, Georgia
Fort Gaines Clay GA, Georgia
Fort Oglethorpe Catoosa GA, Georgia
Fort Valley Peach GA, Georgia
Franklin Heard GA, Georgia
Franklin Springs Franklin GA, Georgia
Funston Colquitt GA, Georgia
Gainesville Hall GA, Georgia
Garden City Chatham GA, Georgia
Garfield Emanuel GA, Georgia
Gay Meriwether GA, Georgia
Geneva Talbot GA, Georgia
Georgetown Georgetown-Quitman GA, Georgia
Gibson Glascock GA, Georgia
Gillsville Banks GA, Georgia
Girard Burke GA, Georgia
Glennville Tattnall GA, Georgia
Glenwood Wheeler GA, Georgia
Good Hope Walton GA, Georgia
Gordon Wilkinson GA, Georgia
Graham Appling GA, Georgia
Grantville Coweta GA, Georgia
Gray Jones GA, Georgia
Grayson Gwinnett GA, Georgia
Greensboro Greene GA, Georgia
Greenville Meriwether GA, Georgia
Griffin Spalding GA, Georgia
Grovetown Columbia GA, Georgia
Gumbranch Liberty GA, Georgia
Guyton Effingham GA, Georgia
Hagan Evans GA, Georgia
Hahira Lowndes GA, Georgia
Hamilton Harris GA, Georgia
Hampton Henry GA, Georgia
Hapeville Fulton GA, Georgia
Haralson Coweta GA, Georgia
Harlem Columbia GA, Georgia
Harrison Washington GA, Georgia
Hartwell Hart GA, Georgia
Hawkinsville Pulaski GA, Georgia
Hazlehurst Jeff Davis GA, Georgia
Helen White GA, Georgia
Hephzibah Augusta-Richmond GA, Georgia
Hiawassee Towns GA, Georgia
Higgston Montgomery GA, Georgia
Hiltonia Screven GA, Georgia
Hinesville Liberty GA, Georgia
Hiram Paulding GA, Georgia
Hoboken Brantley GA, Georgia
Hogansville Troup GA, Georgia
Holly Springs Cherokee GA, Georgia
Homeland Charlton GA, Georgia
Homer Banks GA, Georgia
Homerville Clinch GA, Georgia
Hoschton Jackson GA, Georgia
Hull Madison GA, Georgia
Ideal Macon GA, Georgia
Ila Madison GA, Georgia
Iron City Seminole GA, Georgia
Irwinton Wilkinson GA, Georgia
Ivey Wilkinson GA, Georgia
Jackson Butts GA, Georgia
Jacksonville Telfair GA, Georgia
Jakin Early GA, Georgia
Jasper Pickens GA, Georgia
Jefferson Jackson GA, Georgia
Jeffersonville Twiggs GA, Georgia
Jenkinsburg Butts GA, Georgia
Jersey Walton GA, Georgia
Jesup Wayne GA, Georgia
Johns Creek Fulton GA, Georgia
Jonesboro Clayton GA, Georgia
Junction City Talbot GA, Georgia
Kennesaw Cobb GA, Georgia
Keysville Burke GA, Georgia
Kingsland Camden GA, Georgia
Kingston Bartow GA, Georgia
Kite Johnson GA, Georgia
LaFayette Walker GA, Georgia
LaGrange Troup GA, Georgia
Lake City Clayton GA, Georgia
Lake Park Lowndes GA, Georgia
Lakeland Lanier GA, Georgia
Lavonia Franklin GA, Georgia
Lawrenceville Gwinnett GA, Georgia
Leary Calhoun GA, Georgia
Leesburg Lee GA, Georgia
Lenox Cook GA, Georgia
Leslie Sumter GA, Georgia
Lexington Oglethorpe GA, Georgia
Lilburn Gwinnett GA, Georgia
Lilly Dooly GA, Georgia
Lincolnton Lincoln GA, Georgia
Lithonia DeKalb GA, Georgia
Locust Grove Henry GA, Georgia
Loganville Gwinnett GA, Georgia
Lone Oak Meriwether GA, Georgia
Lookout Mountain Walker GA, Georgia
Louisville Jefferson GA, Georgia
Lovejoy Clayton GA, Georgia
Ludowici Long GA, Georgia
Lula Hall GA, Georgia
Lumber City Telfair GA, Georgia
Lumpkin Stewart GA, Georgia
Luthersville Meriwether GA, Georgia
Lyerly Chattooga GA, Georgia
Lyons Toombs GA, Georgia
Macon Bibb GA, Georgia
Madison Morgan GA, Georgia
Manassas Tattnall GA, Georgia
Manchester Meriwether GA, Georgia
Mansfield Newton GA, Georgia
Marietta Cobb GA, Georgia
Marshallville Macon GA, Georgia
Martin Stephens GA, Georgia
Maxeys Oglethorpe GA, Georgia
Maysville Banks GA, Georgia
McCaysville Fannin GA, Georgia
McDonough Henry GA, Georgia
McIntyre Wilkinson GA, Georgia
McRae-Helena Telfair GA, Georgia
Meansville Pike GA, Georgia
Meigs Thomas GA, Georgia
Menlo Chattooga GA, Georgia
Metter Candler GA, Georgia
Midville Burke GA, Georgia
Midway Liberty GA, Georgia
Milan Telfair GA, Georgia
Milledgeville Baldwin GA, Georgia
Millen Jenkins GA, Georgia
Milner Lamar GA, Georgia
Milton Fulton GA, Georgia
Mitchell Glascock GA, Georgia
Molena Pike GA, Georgia
Monroe Walton GA, Georgia
Montezuma Macon GA, Georgia
Monticello Jasper GA, Georgia
Montrose Laurens GA, Georgia
Moreland Coweta GA, Georgia
Morgan Calhoun GA, Georgia
Morganton Fannin GA, Georgia
Morrow Clayton GA, Georgia
Morven Brooks GA, Georgia
Moultrie Colquitt GA, Georgia
Mount Airy Habersham GA, Georgia
Mount Vernon Montgomery GA, Georgia
Mount Zion Carroll GA, Georgia
Mountain City Rabun GA, Georgia
Mountain Park Fulton GA, Georgia
Nahunta Brantley GA, Georgia
Nashville Berrien GA, Georgia
Nelson Pickens GA, Georgia
Newborn Newton GA, Georgia
Newington Screven GA, Georgia
Newnan Coweta GA, Georgia
Newton Baker GA, Georgia
Nicholls Coffee GA, Georgia
Nicholson Jackson GA, Georgia
Norcross Gwinnett GA, Georgia
Norman Park Colquitt GA, Georgia
North High Shoals Oconee GA, Georgia
Norwood Warren GA, Georgia
Oak Park Emanuel GA, Georgia
Oakwood Hall GA, Georgia
Ochlocknee Thomas GA, Georgia
Ocilla Irwin GA, Georgia
Oconee Washington GA, Georgia
Odum Wayne GA, Georgia
Offerman Pierce GA, Georgia
Oglethorpe Macon GA, Georgia
Oliver Screven GA, Georgia
Omega Tift GA, Georgia
Orchard Hill Spalding GA, Georgia
Oxford Newton GA, Georgia
Palmetto Fulton GA, Georgia
Parrott Terrell GA, Georgia
Patterson Pierce GA, Georgia
Pavo Brooks GA, Georgia
Payne City Bibb GA, Georgia
Peachtree City Fayette GA, Georgia
Peachtree Corners Gwinnett GA, Georgia
Pearson Atkinson GA, Georgia
Pelham Mitchell GA, Georgia
Pembroke Bryan GA, Georgia
Pendergrass Jackson GA, Georgia
Perry Houston GA, Georgia
Pine Lake DeKalb GA, Georgia
Pine Mountain Harris GA, Georgia
Pinehurst Dooly GA, Georgia
Pineview Wilcox GA, Georgia
Pitts Wilcox GA, Georgia
Plains Sumter GA, Georgia
Plainville Gordon GA, Georgia
Pooler Chatham GA, Georgia
Port Wentworth Chatham GA, Georgia
Portal Bulloch GA, Georgia
Porterdale Newton GA, Georgia
Poulan Worth GA, Georgia
Powder Springs Cobb GA, Georgia
Preston Webster GA, Georgia
Pulaski Candler GA, Georgia
Quitman Brooks GA, Georgia
Ranger Gordon GA, Georgia
Ray City Berrien GA, Georgia
Rayle Wilkes GA, Georgia
Rebecca Turner GA, Georgia
Register Bulloch GA, Georgia
Reidsville Tattnall GA, Georgia
Remerton Lowndes GA, Georgia
Rentz Laurens GA, Georgia
Resaca Gordon GA, Georgia
Reynolds Taylor GA, Georgia
Rhine Dodge GA, Georgia
Riceboro Liberty GA, Georgia
Richland Stewart GA, Georgia
Richmond Hill Bryan GA, Georgia
Riddleville Washington GA, Georgia
Rincon Effingham GA, Georgia
Ringgold Catoosa GA, Georgia
Riverdale Clayton GA, Georgia
Riverside Colquitt GA, Georgia
Roberta Crawford GA, Georgia
Rochelle Wilcox GA, Georgia
Rockmart Polk GA, Georgia
Rocky Ford Screven GA, Georgia
Rome Floyd GA, Georgia
Rossville Walker GA, Georgia
Roswell Fulton GA, Georgia
Royston Franklin GA, Georgia
Rutledge Morgan GA, Georgia
Sale City Mitchell GA, Georgia
Sandersville Washington GA, Georgia
Sandy Springs Fulton GA, Georgia
Santa Claus Toombs GA, Georgia
Sardis Burke GA, Georgia
Sasser Terrell GA, Georgia
Savannah Chatham GA, Georgia
Scotland Telfair GA, Georgia
Screven Wayne GA, Georgia
Senoia Coweta GA, Georgia
Shady Dale Jasper GA, Georgia
Sharon Taliaferro GA, Georgia
Sharpsburg Coweta GA, Georgia
Shellman Randolph GA, Georgia
Shiloh Harris GA, Georgia
Siloam Greene GA, Georgia
Sky Valley Rabun GA, Georgia
Smithville Lee GA, Georgia
Smyrna Cobb GA, Georgia
Snellville Gwinnett GA, Georgia
Social Circle Walton GA, Georgia
Soperton Treutlen GA, Georgia
South Fulton Fulton GA, Georgia
Sparks Cook GA, Georgia
Sparta Hancock GA, Georgia
Springfield Effingham GA, Georgia
St. Marys Camden GA, Georgia
Stapleton Jefferson GA, Georgia
Statenville Echols GA, Georgia
Statesboro Bulloch GA, Georgia
Statham Barrow GA, Georgia
Stillmore Emanuel GA, Georgia
Stockbridge Henry GA, Georgia
Stone Mountain DeKalb GA, Georgia
Stonecrest DeKalb GA, Georgia
Sugar Hill Gwinnett GA, Georgia
Summerville Chattooga GA, Georgia
Sumner Worth GA, Georgia
Surrency Appling GA, Georgia
Suwanee Gwinnett GA, Georgia
Swainsboro Emanuel GA, Georgia
Sycamore Turner GA, Georgia
Sylvania Screven GA, Georgia
Sylvester Worth GA, Georgia
Talbotton Talbot GA, Georgia
Talking Rock Pickens GA, Georgia
Tallapoosa Haralson GA, Georgia
Tallulah Falls Habersham GA, Georgia
Talmo Jackson GA, Georgia
Tarrytown Montgomery GA, Georgia
Taylorsville Bartow GA, Georgia
Temple Carroll GA, Georgia
Tennille Washington GA, Georgia
Thomaston Upson GA, Georgia
Thomasville Thomas GA, Georgia
Thomson McDuffie GA, Georgia
Thunderbolt Chatham GA, Georgia
Tifton Tift GA, Georgia
Tignall Wilkes GA, Georgia
Toccoa Stephens GA, Georgia
Toomsboro Wilkinson GA, Georgia
Trenton Dade GA, Georgia
Trion Chattooga GA, Georgia
Tucker DeKalb GA, Georgia
Tunnel Hill Whitfield GA, Georgia
Turin Coweta GA, Georgia
Twin City Emanuel GA, Georgia
Ty Ty Tift GA, Georgia
Tybee Island Chatham GA, Georgia
Tyrone Fayette GA, Georgia
Unadilla Dooly GA, Georgia
Union City Fulton GA, Georgia
Union Point Greene GA, Georgia
Uvalda Montgomery GA, Georgia
Valdosta Lowndes GA, Georgia
Varnell Whitfield GA, Georgia
Vernonburg Chatham GA, Georgia
Vidalia Toombs GA, Georgia
Vienna Dooly GA, Georgia
Villa Rica Carroll GA, Georgia
Waco Haralson GA, Georgia
Wadley Jefferson GA, Georgia
Waleska Cherokee GA, Georgia
Walnut Grove Walton GA, Georgia
Walthourville Liberty GA, Georgia
Warm Springs Meriwether GA, Georgia
Warner Robins Houston GA, Georgia
Warrenton Warren GA, Georgia
Warwick Worth GA, Georgia
Washington Wilkes GA, Georgia
Watkinsville Oconee GA, Georgia
Waverly Hall Harris GA, Georgia
Waycross Ware GA, Georgia
Waynesboro Burke GA, Georgia
West Point Troup GA, Georgia
Whigham Grady GA, Georgia
White Bartow GA, Georgia
White Plains Greene GA, Georgia
Whitesburg Carroll GA, Georgia
Willacoochee Atkinson GA, Georgia
Williamson Pike GA, Georgia
Winder Barrow GA, Georgia
Winterville Athens-Clarke GA, Georgia
Woodbine Camden GA, Georgia
Woodbury Meriwether GA, Georgia
Woodland Talbot GA, Georgia
Woodstock Cherokee GA, Georgia
Woodville Greene GA, Georgia
Woolsey Fayette GA, Georgia
Wrens Jefferson GA, Georgia
Wrightsville Johnson GA, Georgia
Yatesville Upson GA, Georgia
Young Harris Towns GA, Georgia
Zebulon Pike GA, Georgia
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