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Georgia Mortgage Loans
Home loan options across Georgia - FHA, VA, USDA, conventional, and investor financing. Serving buyers and homeowners throughout the state.
Quick Answer
Georgia buyers in Atlanta, Savannah, and growing suburbs like Alpharetta can compare FHA, VA, USDA, and conventional programs - including Georgia Dream down payment assistance for qualifying first-time buyers - as job growth supports a more balanced market heading into 2026. Homeowners ready to refinance will find options suited to improving inventory and moderating rates. DSCR loans serve Atlanta-area investors, and bank statement programs are available for self-employed professionals building businesses across the state.
Buy a Home
FHA, VA, USDA, conventional, and first-time buyer programs. Compare options based on your down payment, credit, and goals.
Explore OptionsRefinance
Lower your rate, shorten your term, or tap your equity with a cash-out refinance. Subject to credit, income, and property guidelines.
Explore OptionsInvest
DSCR loans qualify on rental income, not tax returns. Build your rental portfolio across single-family, multi-unit, and short-term rental properties.
Explore OptionsSelf-Employed
Bank statement loans and alt-doc programs for business owners. Qualify using 12-24 months of deposits instead of tax returns.
Explore OptionsGeorgia Mortgage FAQ
What mortgage programs are available in Georgia?
Georgia borrowers may qualify for FHA, VA, USDA, conventional, jumbo, DSCR investor loans, and bank statement loans, depending on their scenario. Georgia Dream down payment assistance may also be available for qualifying first-time buyers. Subject to credit, income, property, and lender guidelines.
Is down payment assistance available in Georgia?
The Georgia Dream Homeownership Program offers down payment assistance for eligible first-time homebuyers. Income and purchase price limits apply. Talk with a loan officer about whether this program may be available for your scenario.
Are USDA loans available in Georgia?
Yes. Many rural and suburban areas in Georgia are eligible for USDA rural housing loans, which offer zero-down financing for qualifying borrowers. Property and income eligibility requirements apply.
What credit score do I need for a mortgage in Georgia?
Credit score requirements vary by program. FHA may allow scores as low as 580 with 3.5% down. Conventional loans typically require 620 or higher. Talk with a loan officer about your credit profile and which programs may fit.
Ready to Explore Your Options in Georgia?
Talk with a loan officer about your scenario. Programs subject to credit, income, property, and lender guidelines.
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