Mortgage broker in Atlanta, GA
Buying, refinancing or tapping your equity in Atlanta? Gillors is a local mortgage broker comparing options from multiple lenders, with a real person guiding you to closing.
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Home loans for Atlanta buyers and homeowners
Atlanta is Georgia’s capital and largest city, home to about 505,000 people in neighborhoods as different as Buckhead, Midtown, Old Fourth Ward, Grant Park and West End. Most of the city is in Fulton County, with part of it in DeKalb County. More than half of Atlanta households rent, so many buyers here are buying their first home.
Prices vary a lot from one neighborhood to the next, and areas along the Atlanta BeltLine trail have seen especially strong demand. Gillors compares loan options from multiple lenders, including first-time buyer and down payment assistance programs where you qualify, so you can buy with confidence.
Atlanta at a glance
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
Home purchase loans in Fulton County, 2021–2025
Lenders made 12,446 home purchase loans in Fulton County in 2025. That is 44% fewer than in 2021 and 3% fewer than in 2024. Higher rates since 2022 have kept many owners in place, so buyers today often face less competition than in 2021.
Source: CFPB, Home Mortgage Disclosure Act (HMDA) data. Originated home purchase loans, Fulton County, GA.
Average home purchase loan in Fulton County
The average purchase loan in Fulton County grew from about $455,000 in 2021 to $517,000 in 2025, up roughly 14%.
Source: CFPB HMDA data. Average loan amount, originated home purchase loans, Fulton County, GA.
How Fulton County borrowers financed their homes in 2025
Share of all home loans made in Fulton County in 2025 (purchase and refinance), by loan type. Source: CFPB HMDA data.
Refinance loans in Fulton County, 2021–2025
Refinancing dropped sharply after rates rose in 2022, then started to recover: lenders made 6,312 refinance loans in Fulton County in 2025, up 27% from 2024. If your rate is higher than today’s, it may be worth checking whether a refinance makes sense.
Source: CFPB HMDA data. Originated refinance and cash-out refinance loans, Fulton County, GA.
What to know before buying in Atlanta
Conforming vs. jumbo
In 2026 the conforming loan limit for a single-family home in Fulton County is $832,750. Loans above that are jumbo loans, which usually need a larger down payment and more savings in reserve.
Georgia homestead exemption
If the home will be your main residence, apply for a homestead exemption with the Fulton County tax assessor’s office. The deadline is April 1 for that tax year.
Closing costs in Georgia
Buyers typically pay Georgia’s intangible recording tax on the loan: $1.50 per $500 borrowed (0.3%). Sellers usually pay the state transfer tax of $1 per $1,000 of the price.
First-time buyer programs
Georgia Dream, from the Georgia Department of Community Affairs, and Invest Atlanta have offered down payment help to eligible buyers. Programs and limits change, so ask us which ones you may qualify for.
Atlanta housing news
- Atlanta Braves Holdings Reports Third Quarter 2026 Financial ResultsBusiness Wire · Nov 4, 2026
- Fort Worth’s Trinity REIS Opens Atlanta OfficeFort Worth Inc. · Nov 3, 2026
- Atlanta airport gets more than $55 million additional investment for construction projectsWSB-TV · Nov 3, 2026
- Fire spreads between 2 homes in Atlanta, neighbors knock on doors to wake up ownersDailyDispatch.com · Nov 3, 2026
- An Atlanta landlord started a $50,000 fundraiser to help families facing eviction during the pandemic; siThe Times of India · Nov 2, 2026
Latest local headlines from Google News, updated automatically. Gillors is not affiliated with these publishers.
Questions about mortgages in Atlanta
How much do I need for a down payment in Atlanta?
It depends on the loan. Conventional loans can start at 3% down for qualified buyers, FHA loans at 3.5% and VA loans at 0% for eligible veterans. On a home near the Atlanta median value of about $440,000, even a small down payment can get you started, and assistance programs may help if you qualify.
Is it better to rent or buy in Atlanta?
It depends on how long you plan to stay and how the monthly costs compare. Atlanta’s median rent is about $1,711 a month. We can estimate the monthly payment on a home you’re considering so you can compare the two.
Do I need a jumbo loan?
Only if your loan amount is above $832,750, the 2026 conforming limit in Fulton County. We compare jumbo and conforming options for you, including putting more down to stay under the limit.
How long does it take to close on a home?
Most purchases close about 30 to 45 days after your offer is accepted. Getting pre-approved first helps you move quickly when you find the right home.
Ready to buy or refinance in Atlanta?
Start with a few quick questions. There’s no credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
