Mortgage pre-approval in Georgia.

Closing commonly handled by

closing attorney

State housing agency

Georgia Department of Community Affairs

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 in every county

2026 FHA limit

$541,287 to $718,750, by county

Our license

Mortgage Lender License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in Georgia

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in Georgia

Georgia closings are typically conducted by a closing attorney, who also handles the title work. Property taxes are billed by the county and, inside city limits, often by the city as well, and owner-occupants can apply for a homestead exemption after they move in.

Transfer and recording taxes. Georgia’s real estate transfer tax is $1 for the first $1,000 of the sale price and 10 cents for each additional $100. The Georgia Department of Revenue states that the seller is liable for the tax, though the parties frequently agree in the contract that the buyer will pay it. Source: Georgia Department of Revenue, real estate transfer tax. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in Georgia

For 2026 the conforming loan limit for a one-unit home is $832,750 in every county. Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in Georgia

The Georgia Department of Community Affairs runs Georgia’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: Georgia Department of Community Affairs. See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions Georgia buyers ask

Georgia notice. In Georgia, Stellar Mortgage Corporation does business as Welcome Home Lending Corporation, NMLS #2190975.

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.