Home loans across Georgia, from Atlanta and its suburbs to Savannah, Augusta, Columbus and Macon. Estimate your payment, compare programs and talk it through with Duane.
Licensed in Georgia
Conventional, FHA, VA and jumbo
Purchase and refinance
Estimate a Georgia payment
Sample figures, edit freely
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Loan term
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The price, tax and insurance values are samples, not Georgia averages. Property tax and insurance vary a lot by address, so replace them with real quotes.
Estimate only. Includes principal, interest, tax, insurance and an estimated mortgage insurance charge when the down payment is under 20%. Actual terms depend on credit, loan program and property.
Loan options in Georgia
Duane compares programs for your scenario and explains the tradeoffs before you commit.
Conventional. Purchase and refinance loans with as little as 3% down for qualifying buyers. Mortgage insurance can come off as your equity grows.
FHA. As little as 3.5% down with qualifying credit, and more flexible credit guidelines. FHA carries an upfront and an annual mortgage insurance premium.
VA. Georgia has a large military community, with installations across the state from Columbus and Savannah to Macon and Augusta. VA loans can be $0 down for eligible borrowers, with no monthly mortgage insurance. A funding fee usually applies unless exempt.
Jumbo. For loan amounts above the conforming limit in your county. Expect closer review of down payment, reserves and documentation.
Refinance. Lower the rate, shorten the term or take cash out. Compare the break-even point against how long you plan to stay.
Local housing agency
Georgia Department of Community Affairs
The Georgia Department of Community Affairs runs Georgia Dream, a first-time buyer and down payment program offered through participating lenders. Income limits, price limits and funding change, so ask what is open now.
Attorney closings. Georgia closings are conducted by a real estate attorney. Choose one early and ask for a fee estimate.
Taxes at closing. Georgia charges an intangible recording tax on the new loan, and a transfer tax is paid on the deed. Your Loan Estimate shows the figures.
Property tax and homestead. Counties set millage rates, and a homestead exemption can lower the bill on a primary residence. Check the rules where you buy.
Metro Atlanta varies block by block. Taxes, HOA dues and school zones differ by county and city, so run the payment with the actual address.
Growth counties. New construction is active around the metros. Ask about builder lender incentives and construction loan options early.
Georgia FAQ
Does Duane lend across Georgia?
Yes. Duane is licensed in Georgia and works with buyers and homeowners statewide, from metro Atlanta to the coast.
Do I need a lawyer to close in Georgia?
Georgia closings are handled by a real estate attorney, and the fee is part of your closing costs. Your lender will tell you what is needed from your side.
What is Georgia Dream?
Georgia Dream is a first-time buyer and down payment program from the Georgia Department of Community Affairs, offered through participating lenders. Ask whether you qualify.
Can I use a VA loan in Georgia?
Yes. Eligible veterans, service members and some surviving spouses can use a VA loan anywhere in the state. Duane can review your eligibility and entitlement.
Duane Buziak, NMLS #1110647. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Brokered through Coast2Coast Mortgage, NMLS #376205. Verify licenses at nmlsconsumeraccess.org. For illustration only. Not a loan offer, commitment or rate quote. Equal Housing Opportunity.
