Mortgage lender in Fulton County, GA

Buying in Fulton County

Fulton County, with its county seat in Atlanta, also takes in Sandy Springs, Roswell, Johns Creek, Alpharetta, Milton, South Fulton and East Point. Fulton County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Georgia, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$718,750 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

Georgia Department of Community Affairs (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Fulton County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Fulton County: Atlanta from Alpharetta to South Fulton

Fulton is long and narrow. North Fulton, including Alpharetta, Milton, Johns Creek and Roswell, is higher-priced suburbs with many planned neighborhoods and association dues. The City of Atlanta sits in the middle, with condominiums in Midtown, Buckhead and downtown that need the building reviewed along with the buyer.

South Fulton, including East Point, College Park, Union City and Fairburn, has more moderate prices and a good deal of new construction. Property taxes depend on which city the home is in, since city taxes are added to the county’s, so we use the tax record for the address. Owner-occupants can apply for a homestead exemption after closing.

Fulton County by the numbers

Median home value

$458,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.88% of home value a year: median tax bill $4,033 on a median value of $458,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

$1 for the first $1,000 of the price and 10 cents for each additional $100 (Georgia Department of Revenue, real estate transfer tax)

Largest communities

Atlanta, South Fulton, Sandy Springs, Roswell (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $458,800. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $718,750.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Georgia

Closings in Georgia are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Georgia page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Fulton County buyers ask

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

Limits shown are the 2026 FHFA and HUD figures for Fulton County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.