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Guide to Mortgage Lenders in Georgia

Strategies for finding the best Georgia mortgage loans to fit your needs and budget


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Georgia mortgage companies can help you finance a home whether you’re in the market for a luxury condo in Buckhead, an apartment in downtown Atlanta or a ranch house in Macon. There are many mortgage lenders in Georgia, but researching and comparing rates among the many competitors can be a time-consuming undertaking. Mortgage brokers in Georgia can simplify the task by searching out the best rates on Georgia mortgage loans for you. Mortgage brokers in Georgia will also have access to deals that you may not have found on your own.

Mortgage brokers in Georgia should assess your financial circumstances, help you understand what you can afford, find a mortgage that fits your needs and guide you in navigating the paperwork. When hiring Georgia mortgage companies, choose local vendors that really understand the neighborhood where you want to buy. Another benefit of using local mortgage lenders in Georgia is that they will be available for in-person appointments and can deliver documents to you quickly when necessary.

To find the best Georgia mortgage companies:

  1. Make sure you're working with reputable mortgage companies in Georgia by checking records with government and better-business groups.
  2. Start your search online and look at rates and terms on a variety of websites for lenders and mortgage brokers in Georgia.
  3. Don't limit yourself to a mortgage lending company in Georgia or to Georgia mortgage brokers. National loan originators and brokers may offer the best terms on Georgia mortgage loans.

Action Steps
The best contacts and resources to help you get it done

Search local Georgia mortgage brokers associations


Georgia mortgage brokers associations can help you find professionals who understand the local housing market.

I recommend: At the Georgia Association of Mortgage Brokers, you can search for a licensed mortgage broker by city, state or ZIP code.

Consider local and regional banks for Georgia mortgage loans


Local and regional banks are some of the most common mortgage lenders in Georgia.

I recommend: The Georgia Bankers Association provides a list of Georgia banks. Or you can find regional banks that are mortgage lenders in Georgia at LocalLender.info or USCITY.net.

Use online sources for mortgage companies in Georgia


Numerous online sources can help you shop for the best Georgia mortgage lenders.

I recommend: MortgageLoan.com lets you search their list of mortgage brokers in Georgia and lenders by city, as does Mortgage-X.com.

Work with national mortgage lenders


Many national mortgage brokers and lenders offer Georgia mortgage loans that may be right for you.

I recommend: Consider national lenders, such as GMAC Mortgage or Wachovia, or check out Equifax, which offers a nationwide mortgage referral service. Veterans may qualify for a loan through the VA Mortgage Center.com or USAA.com, where you can get pre-approved for Georgia mortgage loans.

Check with legal authorities about mortgage companies in Georgia


Make sure the Georgia mortgage lenders or mortgage brokers you're considering are trustworthy and haven't been reported by borrowers for shady business practices.

I recommend: To check on mortgage lenders, contact your local branch of the Better Business Bureau (BBB), such as the BBB of Metro Atlanta, Athens and Northeast Georgia; Central Georgia; or West and Southwest Georgia. At the Georgia Department of Banking and Finance, you can search for licensees, file a complaint, as well as secure other valuable information about mortgage lenders in Georgia.

Find out what local experts are saying about mortgage brokers in Georgia


Local real estate experts, including your own real estate agent, can provide information on Georgia mortgage brokers and lenders as well as tips on the market for househunters.

I recommend: Georgia Mortgage Loan is a blog that provides information and pulls articles related to Georgia mortgage loans.

Tips & Tactics
Helpful advice for making the most of this Guide

  • Georgia mortgage companies should be familiar with state fees and should have a network of local appraisers and title companies to make the process go more smoothly.
  • Georgia mortgage loans from your bank are negotiable. Shop around for rates from mortgage brokers and mortgage companies before approaching your local bank.
  • Rate quotes on Georgia mortgage loans should all be from the same time period due to market fluctuations.
  • Tied mortgage brokers don't charge an upfront fee, but work with a limited number of mortgage companies in Georgia who pay them a commission should you choose their mortgage.
  • An independent broker charges an upfront fee but casts a wider net, offering a variety of deals from a host of Georgia mortgage lenders.

The official source of Mortgage Lenders in Georgia is
the Mortgage Lenders in Georgia page at Business.com


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