The Best Mortgage Lenders in Atlanta, GA
Compare verified mortgage lenders serving Atlanta, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Atlanta
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender in Atlanta known for its exceptional customer service and competitive rates. With nearly three decades of experience, they offer a wide range of loan products and are praised for their efficient processing and personalized support. Their local team has deep community ties and consistently receives high marks for guiding clients through the mortgage process with transparency and expertise.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage stands out for its focus on purchase loans and streamlined closing processes, often achieving fast turnarounds. Highly rated for their responsive customer service and local expertise, they have a strong presence in Atlanta and are committed to making home financing accessible. Their dedication to community engagement and borrower education adds to their reputation as a reliable and efficient lender.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded lender offering diverse loan options with a emphasis on competitive rates and customer empowerment. They excel in serving first-time homebuyers and those with unique financial situations, backed by strong local support in Atlanta. Their commitment to innovation and education, combined with a track record of high satisfaction, makes them a trusted choice for mortgage solutions.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Atlanta, GA
What are the current mortgage rates like in Atlanta, GA?
Mortgage rates in Atlanta are typically competitive with national averages, but can vary based on lender, loan type, and your financial profile. As of recent trends, Atlanta buyers might see slightly lower rates for conventional loans compared to some other metro areas due to the city's strong housing market. It's best to compare rates from multiple local lenders and credit unions for the most favorable terms.
Are there any first-time homebuyer programs specific to Atlanta?
Yes, Atlanta offers several programs including the Atlanta Affordable Homeownership Program, which provides down payment assistance up to $20,000 for eligible buyers. Additionally, the Georgia Dream Homeownership Program offers competitive rates and down payment assistance statewide, with specific benefits for Atlanta residents. These programs often have income limits and require homebuyer education courses.
How does Atlanta's competitive housing market affect mortgage pre-approval?
In Atlanta's fast-moving market, a strong pre-approval is essential to compete effectively. Many sellers require full underwriting pre-approval rather than just pre-qualification. Working with local lenders who understand Atlanta's market dynamics can help you get a more robust pre-approval that makes your offer stand out against multiple bids.
What special mortgage considerations should I know about for Atlanta's historic neighborhoods?
When buying in historic districts like Inman Park, Virginia-Highland, or Grant Park, you may need specialized renovation loans like the FHA 203(k) if the home requires updates. Some historic properties might have higher insurance costs and may require specific preservation guidelines to be followed. Lenders familiar with Atlanta's historic districts can guide you through these unique requirements.
Are there any property tax advantages for Atlanta homebuyers that affect mortgage planning?
Atlanta homeowners can benefit from the Homestead Exemption, which can significantly reduce your property tax burden. Fulton County offers both basic and senior homestead exemptions, which lowers your taxable assessment. When calculating your monthly mortgage payment, factor in that Atlanta's property taxes are generally lower than many other major metropolitan areas, making homeownership more affordable long-term.
Nearby Cities
Explore mortgage lenders in cities near Atlanta, GA
Why Choose a Mortgage Lender in Atlanta?
Local Market Knowledge
Lenders who understand Atlanta's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Georgia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Atlanta and get competitive rates on your home loan.