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Georgia Mortgages and GA Home Buyer & Home Owner Resources

Seeking objective information about getting a new home loan or refinancing your mortgage in Georgia? Fear not, there are plenty of federal and state resources to help you learn about Georgia real estate laws and the Georgia home loan process. We're here to help whether you want an Atlanta new home loan or are doing an Augusta mortgage refinance.

And while you're visiting, consider comparing mortgage quote offers from competing Georgia lenders using our form on the right. For most of us, buying a home will be the largest investment we make in our lifetime, and it makes sense to do our homework and compare lenders. It's completely free, there's no obligation, and you may receive up to four quotes through our service.

Buying Your First Georgia Home

Buying a home is a complicated process and you want to make sure you get a mortgage loan that serves your needs. Community home buyer programs provide education, down payment assistance, and sometime special home loans with subsidized rates.

For the purpose of eligibility, these programs typically define a first time buyer as anyone who hasn't owned a home in the past three years. Try the Georgia Dream Homeownership Program as a starting place to find programs.



Choosing a Home Loan: Learning How Mortgages Work

Educational programs help you understand mortgage terms and how mortgages can perform over time. You'll also learn about how to budget for affording your mortgage payment and saving for emergencies. When you own a home, you can't call the landlord if the plumbing fails or the roof leaks. Additional costs associated with home ownership can include Georgia property taxes, hazard insurance, homeowners' association dues, and mortgage insurance.

Understanding your home loan terms can also be useful if you decide to refinance later; you'll be able to compare your current home loan with refinance options.

Also, please make use of our loan calculators which include a refinance calculator, a mortgage loan rate comparison calculator, and an amortization calculator & amortization chart.  There's also a mortgage calculator to tell you your monthly payments, and an affordability calculator that looks as how much you can spend, and your expenses to show you how much home you can afford.

Trouble Comes Knocking: Avoiding Foreclosure in Georgia

Illness, unemployment, divorce--any number of reasons can create the downward financial spiral leading to foreclosure. Fortunately, there are programs available that can help with managing debt and working toward saving your home. Although not everyone can qualify for assistance, there are many programs that provide refinance, modification and other strategies for avoiding foreclosure. Local and state service providers also assist with federal foreclosure relief programs. If you act quickly, your chances for preventing foreclosure are better than if you wait until the foreclosure process is started.

Resources

Georgia Department of Community Affairs Georgia Homeownership Program Georgia Department of Consumer Affairs foreclosure information Georgia Department of Banking and Finance: Verify licensing of Georgia lenders and Georgia mortgage brokers: Fannie Mae Home Affordable Refinance and Modification Programs: Georgia Mortgage laws and rules: US Dept of Housing and Urban Development (HUD info for homebuyers) HUD approved housing counseling agencies in Georgia: Georgia Community homebuyer assistance programs: Georgia Foreclosure assistance National Foundation for Credit Counseling (links to local providers) Veterans Administration Loan Guaranty Program Tax rate (estimates by state)


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