Loan programs
Home loan programs for Atlanta and metro Atlanta
Quick answer
Most Georgia buyers finance a home with a conventional, FHA, VA, USDA, or jumbo loan, while homeowners typically use a rate-and-term or cash-out refinance. Specialty options cover first-time buyers, down payment assistance, renovation, new construction, and second or investment properties. Alyson Foy, Loan Officer with Edge Home Finance (NMLS #448481), helps you compare them with real numbers. Availability may vary and all financing is subject to credit approval.
Purchase
Conventional loans
The most common financing path for buyers with steady credit and income.
Read the overview
FHA loans
Government-insured financing built around flexibility for qualifying buyers.
Read the overview
VA loans
A benefit earned through military service, with strong terms for eligible borrowers.
Read the overview
USDA loans
Rural development financing for eligible properties outside the metro core.
Read the overview
Jumbo loans
Financing above conforming loan limits for higher-priced homes.
Read the overview
Refinance
Specialty
First-time homebuyer programs
Structured help for buyers making their first purchase.
Read the overview
Down payment assistance
Programs that help bridge the gap between savings and cash to close.
Read the overview
Renovation loans
Finance the purchase and the improvements in one loan.
Read the overview
New construction financing
Financing for homes being built, from lot to certificate of occupancy.
Read the overview
Second home & investment property loans
Financing for Lake Lanier places, mountain cabins, and rental properties.
Read the overview
All loan scenarios are subject to credit approval, income and asset verification, and property eligibility. Program availability may vary and terms are subject to change. Nothing on this site is a commitment to lend, an offer of credit, or a rate quote. Consult Alyson for current options.
Not sure which program fits your situation?
Alyson will walk you through the options side by side, no obligation.