Georgia Mortgage Services
Expert mortgage broker serving key metro Atlanta communities across 4 Georgia counties. From Buckhead luxury homes to Gwinnett County family neighborhoods — all loan programs available including FHA, VA, Jumbo, USDA, and 203(k) Renovation loans. Local expertise, competitive rates, and fast pre-approvals statewide.
Browse by County
Explore mortgage services across Georgia's premier metro Atlanta counties — from urban city living to thriving suburban communities.
Fulton County
15+ municipalities
Home to Atlanta, Buckhead, Sandy Springs, Roswell, and Alpharetta. Georgia's economic engine with world-class dining, arts, and Fortune 500 headquarters.
Median Price Range: $250K - $2M+
DeKalb County
10+ municipalities
Diverse communities including Decatur, Brookhaven, and Dunwoody. Known for Emory University, CDC headquarters, and vibrant culture.
Median Price Range: $200K - $1.2M
Cobb County
10+ municipalities
Thriving suburbs like Marietta, Kennesaw, and Smyrna. Top-rated schools, Lockheed Martin, and the home of Truist Park (Atlanta Braves).
Median Price Range: $275K - $1.5M
Gwinnett County
15+ municipalities
One of the fastest-growing counties in the U.S. Family-friendly communities with excellent schools, diverse dining, and affordable housing options.
Median Price Range: $250K - $900K
Popular Georgia Markets
Explore mortgage services in Georgia's most sought-after communities, from Atlanta's urban core to the thriving north metro suburbs.
Atlanta
Fulton County
Median: $425K
Decatur
DeKalb County
Median: $475K
Marietta
Cobb County
Median: $400K
Alpharetta
Fulton County
Median: $550K
Roswell
Fulton County
Median: $500K
Johns Creek
Fulton County
Median: $525K
Buckhead
Fulton County
Median: $750K
Sandy Springs
Fulton County
Median: $475K
Dunwoody
DeKalb County
Median: $450K
Kennesaw
Cobb County
Median: $375K
Smyrna
Cobb County
Median: $425K
Brookhaven
DeKalb County
Median: $550K
All Loan Programs Available in Georgia
From first-time homebuyers to luxury estate purchases, we offer 14 loan programs to match every budget and scenario across Georgia.
Why Buy a Home in Georgia?
Georgia is one of the fastest-growing states in the country, offering an unbeatable combination of affordability, career opportunities, and quality of life. Here's why homebuyers choose the Peach State:
Affordable Cost of Living
Georgia's cost of living is well below the national average, especially compared to major metros like New York, Los Angeles, and San Francisco. Metro Atlanta offers big-city amenities at a fraction of the cost. Starter homes begin around $200K in Gwinnett County, mid-range options from $350K-$500K are abundant in Cobb and DeKalb, and even luxury Buckhead properties remain more affordable than comparable East Coast markets.
No State Tax on Retirement Income
Georgia does not tax Social Security income and offers generous retirement income exclusions. Residents aged 62 and older can exclude up to $65,000 per person of retirement income from state taxes. This makes Georgia one of the most tax-friendly states for retirees, which also supports long-term property values in communities popular with retirees. Combined with lower property taxes than the Northeast, Georgia offers significant financial advantages.
Booming Job Market
Atlanta is a top destination for major employers. Georgia is the #1 filming location in the world (Marvel, Walking Dead, Stranger Things). The state is a growing tech hub with Google, Microsoft, and Mailchimp expanding offices. Hartsfield-Jackson Atlanta International Airport — the world's busiest — anchors a massive logistics industry. Home Depot, UPS, Coca-Cola, Delta Air Lines, and Southern Company are all headquartered here. Job growth consistently exceeds the national average.
Top Universities
Georgia is home to world-class universities that drive innovation and talent. Georgia Institute of Technology (Georgia Tech) is a top-10 engineering school. Emory University is a top-25 national university with a leading medical center. The University of Georgia in Athens is a top public university. Morehouse, Spelman, and the Atlanta University Center form the largest consortium of HBCUs in the nation. These institutions attract talent that fuels Georgia's economy and real estate demand.
Warm Climate Year-Round
Georgia enjoys a mild climate with warm summers and short, mild winters. Average January temperatures in Atlanta hover around 43°F, with summers averaging 80°F. Outdoor activities are possible year-round — from the Blue Ridge Mountains in the north to the Atlantic coast beaches. Golf courses, hiking trails, and outdoor dining are available 12 months a year. No snow shoveling, no ice storms, and significantly lower heating costs compared to northeastern states.
Growing Metro Areas
Metro Atlanta is one of the fastest-growing regions in the U.S., adding tens of thousands of new residents annually. This growth drives strong property appreciation of 3-5% annually in desirable suburbs like Alpharetta, Roswell, and Johns Creek. New development is booming with mixed-use communities, transit-oriented developments, and master-planned neighborhoods. Areas like the Atlanta BeltLine are transforming urban living, creating new walkable neighborhoods and driving property values upward.
Georgia Mortgage FAQs
What counties in Georgia do you serve?
We serve key metro Atlanta counties including Fulton County (Atlanta, Buckhead, Sandy Springs, Roswell, Alpharetta, Johns Creek), DeKalb County (Decatur, Brookhaven, Dunwoody), Cobb County (Marietta, Kennesaw, Smyrna), and Gwinnett County. These counties encompass the most active real estate markets in Georgia, from urban Atlanta condos to suburban family homes.
What loan programs are available in Georgia?
All 14 loan programs are available throughout Georgia: Conventional (3% down), FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down in eligible rural areas — many Georgia counties qualify), Jumbo (for luxury properties), 203(k) Renovation, HomeReady, Home Possible, Refinance, HELOC, Reverse Mortgage, HomeFundIt, All In One, and HomeStyle Renovation loans.
What is the median home price in metro Atlanta?
Metro Atlanta home prices vary by area. Buckhead averages around $750K for luxury living. Alpharetta and Johns Creek average $525K-$550K for top-rated school districts. Roswell and Sandy Springs average $475K-$500K. Atlanta proper averages $425K. Marietta and Smyrna in Cobb County average $400K-$425K. Kennesaw offers homes around $375K. Gwinnett County provides many options from $250K-$900K, making it one of the most affordable metro areas.
Are USDA loans available in Georgia?
Yes, many areas of Georgia qualify for USDA zero-down-payment loans. While most of metro Atlanta's urban core is ineligible, many suburban and exurban communities in outer Gwinnett, Cherokee, Forsyth, and other surrounding counties qualify. USDA loans offer $0 down payment, competitive interest rates, and reduced mortgage insurance. We can help determine which Georgia areas are USDA-eligible based on your home search.
What are property taxes like in Georgia?
Georgia property taxes are generally lower than the national average. Fulton County averages around 1.0-1.2%, DeKalb County averages 1.1-1.3%, Cobb County averages 0.9-1.1%, and Gwinnett County averages 0.9-1.0%. Georgia also offers a homestead exemption that can significantly reduce your property tax bill on your primary residence. We factor property taxes into your debt-to-income calculations during pre-approval.
How quickly can I get pre-approved for a Georgia mortgage?
Most buyers receive pre-approval within 24-48 hours. We offer fast pre-approvals with competitive rates across all Georgia markets. Our pre-approval process includes a thorough review of your credit, income, and assets to provide you with a strong offer when competing in Georgia's active real estate markets, especially in popular areas like Buckhead, Alpharetta, and Decatur where multiple offers are common.
Is Georgia a good state for first-time homebuyers?
Georgia is excellent for first-time homebuyers. The state offers the Georgia Dream Homeownership Program with down payment assistance up to $10,000 for eligible buyers. Combined with FHA loans (3.5% down), HomeReady (3% down), and VA loans ($0 down), first-time buyers have many affordable options. Metro Atlanta's diverse price range — from $200K starter homes in Gwinnett County to mid-range options throughout Cobb and DeKalb — makes homeownership accessible.
What makes Georgia a good place to buy a home?
Georgia offers affordable cost of living compared to other major metros, no state tax on retirement income, a booming job market driven by the film industry, tech companies, and logistics (Hartsfield-Jackson is the world's busiest airport). Top universities like Georgia Tech and Emory attract talent. The warm climate year-round, growing metro areas, and strong property appreciation (3-5% annually in top suburbs) make Georgia one of the best states for real estate investment.
Ready to Buy Your Georgia Home?
Get pre-approved today and start your journey to homeownership in Fulton, DeKalb, Cobb, or Gwinnett County. Expert guidance, competitive rates, and fast approvals across Georgia.
Licensed mortgage broker serving Georgia • All loan programs available • Fast 24-48 hour pre-approvals • NMLS #1577754