Georgia home loans, from $10,000 Georgia Dream help to Buckhead jumbos.
Georgia-licensed lending across all 159 counties, from Atlanta and Savannah to Augusta, Columbus, and Macon. Real numbers on Georgia Dream, FHA, VA, jumbo, and DSCR. Built from a Cornerstone branch by a branch manager who closes the complex Georgia files.
Program figures verified July 2026 — details change; confirm your scenario with us.
A Georgia-licensed team that knows Georgia Dream, Invest Atlanta, and the county income caps that decide who actually qualifies.
Real numbers on your Fulton or Chatham County purchase. No salesy script. We tell you when Georgia Dream DPA isn't the right move.
First-time buyer in Macon, self-employed in Athens, jumbo in Buckhead, investor in metro Atlanta: we cover the full lender's toolbox.
Mike and his team of seasoned Georgia-licensed loan officers handle every file directly. No handoffs. You always know where your Georgia loan stands.
Pick the path that fits your Georgia purchase.
Each of our specialized guides goes deep on one kind of Georgia buyer, from Savannah first-timers to metro Atlanta investors. Land directly on the Georgia answers that matter to you.
Down Payment Assistance
Georgia Dream Standard, Georgia Dream PEN/CHOICE, Invest Atlanta and Atlanta Housing Homeownership, plus Chenoa, Arrive, and Essex. The full Georgia Dream and metro Atlanta DPA menu, explained simply.
See Georgia DPA details →Buy Before You Sell
Bridge financing that removes the contingency from your metro Atlanta or coastal Savannah offer. Buy your next Georgia home before your current one sells. Listing agents across metro Atlanta: this is the deal-saver.
See BBYS details →Self-Employed Loans
Bank statement, 1099, and asset-qualifier paths for Georgia's contractors and small-business owners. Qualify on what your business actually makes, not what your Schedule C shows after deductions.
See Self-Employed details →Jumbo & Doctor Loans
Full doc, alt doc, super jumbo, plus the Medical Professionals program for Emory and Piedmont physicians: up to 100% LTV, no PMI, FICO 680, residents eligible 150 days pre-start.
See Jumbo / Doctor details →Investor & DSCR Loans
DSCR loans that finance below a 1.0 ratio: sub-1.0 programs sit on our investor menu. Short-term-rental and standard rental options built for Savannah and metro Atlanta short-term-rental markets.
See Investor / DSCR details →First-Time Home Buyer Loans
FHA, USDA, and Conventional 97 with low down payment, plus Georgia Dream DPA-paired structures. Designed for the Georgia buyer with real-life income and credit, from Macon to the Savannah suburbs, not perfect-paper applicants.
See First-Time Buyer details →A licensed Georgia loan officer, not a call-center voice.
Mike Certo is a Branch Manager at Cornerstone First Mortgage, Georgia-licensed across all 159 counties. He leads a team of seasoned Georgia-licensed loan officers and works directly with the buyer and the agent through to the attorney-state closing table Georgia law requires. No junior LO running the file behind the scenes. No handoffs in the middle of a DeKalb or Gwinnett escrow.
Here is what working with Mike gets your Georgia file:
- Direct line. Real cell phone, real return calls within hours, whether you're buying in Alpharetta or Augusta.
- Real numbers. Honest math on which Georgia programs fit your scenario, including when Georgia Dream DPA isn't the right move.
- Files that close. Mike specializes in the hard Georgia files: complex income docs, contingency removal, Buckhead jumbo with student debt, investors at scale.
Common questions.
Why does GA Loan Experts have multiple websites?
Each Georgia lending niche has its own questions and audience. We built dedicated Georgia guides for down payment assistance, buy-before-you-sell, self-employed loans, jumbo, investor, and first-time-buyer paths so Atlanta, Savannah, and Augusta buyers can land directly on the answers that matter to them. GA Loan Experts is the brand parent linking them all.
What kind of borrowers do you typically work with?
First-time buyers using Georgia Dream down payment assistance, self-employed borrowers who need bank-statement or 1099 loans, jumbo borrowers including Emory and Piedmont doctors, investors using DSCR for Georgia rental property, and move-up buyers who need bridge financing to remove the contingency from their offers.
Do you work with real estate agents?
Yes, complex Georgia files are our specialty. Listing agents bring us their CCBS files (contract contingent on buyer sale) so we can provide bridge financing that removes the contingency. Buyer agents bring us self-employed, complex-doc, or unusual-property files across metro Atlanta and coastal Georgia. Visit the For Agents page for the full referral playbook.
What's the fastest way to find out if you can help me?
Call (480) 296-6513 and ask for Mike. Or send your Georgia scenario through the contact form. Our team calls you back shortly. Pre-approval typically takes 24-48 hours after credit and income docs are in.
Ready when you are.
Get pre-approved in 24-48 hours, or talk to Mike first to figure out which Georgia path fits your county and your down payment.