Georgia Home Loans
Updated: April 2026 ● Todd Orlando
Georgia doesn’t just attract attention; it earns it. At Defy Mortgage, we offer Georgia home loans built for every type of borrower in the Peach State. First-time buyer looking to get into one of the Southeast’s most dynamic markets? We’ve got you. Seasoned investor building a rental portfolio in Atlanta’s suburbs, Savannah’s historic district, or Augusta’s growing medical corridor? We’ve got that too. Self-employed with income that doesn’t fit a W-2? That’s exactly what we’re built for. From Atlanta to Savannah to Columbus, Defy Mortgage offers a full lineup of Georgia mortgage options: DSCR, bank statement, P&L, foreign national, asset depletion, and more.
Georgia’s market is giving buyers and investors a window that hasn’t existed in years — more inventory, less urgency, and price points that still make sense compared to what you’d pay in Florida or the Northeast. The fundamentals are strong. Let’s explore Georgia home loans shall we?
Cities in Georgia We Serve
Defy Mortgage offers home loans across the state of Georgia so that no matter where you intend to purchase or refinance, you have fast and customizable loan options to meet your unique needs. That means we lend in every city and suburb.
Here’s where you can find us:
- Atlanta
- Savannah
- Augusta
- Columbus
- Brunswick
- Roswell
- Athens
- Macon
- Sandy Springs
- Warner Robins
- Gainesville more
Home Loans Offered In Georgia
At Defy Mortgage, we are fully licensed in the state of Georgia, which means that we can provide all purchase and refinance Non-QM and Traditional loans, including:
- DSCR Loans
- Bank Statement Loans
- P&L Loans
- Interest-Only
- Foreign National
- Asset Depletion
- Cash-Out Refinances
How Do Home Loans Work In Georgia
Getting a home loan in Georgia is more straightforward than most people expect, and if a traditional mortgage has told you no, that’s not the end of the conversation. It’s the beginning of a different one. Non-QM loans exist for exactly the borrowers who don’t fit the conventional mold, and at Defy Mortgage, that’s our specialty. Here’s what lenders are actually looking at when you apply:
Georgia Home Loan Requirements
- Credit Score
- Income
- DTI (ie: what you owe vs. what you earn)
- Assets
- The type of mortgage you’re applying for
These requirements are consistent across all 50 states unless otherwise noted by the lender. Keep in mind that down payment requirements — which directly impact your LTV for both purchasing and refinancing — are separate from the above and vary by loan type.
Steps for Getting A Home Loan in Georgia
- Step 1: Assess your finances — know your credit score, DTI, and how much you have saved for a down payment and closing costs. Budget 2%–5% of the purchase price for closing costs and factor that in early.
- Step 2: Choose the right loan type — Georgia’s market spans everything from Atlanta’s competitive urban core to Savannah’s historic STR corridor to Augusta’s affordable investment market. The right product depends entirely on your situation.
- Step 3: Get pre-approved — so you know exactly what you can afford and sellers take you seriously. In competitive Atlanta suburbs like Alpharetta and Roswell, a pre-approval isn’t optional.
- Step 4: Find your property and make an offer — identify whether you’re buying a primary residence, vacation home, or investment property first. That determines your loan structure. Once you know, find your property, make your offer, and move.
- Step 5: Submit your full loan application — respond to document requests quickly. Delays almost always come from slow paperwork, not slow lenders. Documentation requirements vary by loan type so be prepared.
- Step 6: Inspection, appraisal, and underwriting — don’t skip the inspection in Georgia, where humid climate conditions, older construction in historic markets like Savannah and Augusta, and flood zone considerations can meaningfully affect your costs.
- Step 7: Close on your home — sign the documents, get your keys. Start to finish, the process typically takes 30–45 days from accepted offer to closing — though at Defy Mortgage, we close in 14 to 21 days.
Best Georgia Markets for Real Estate Investors
- Atlanta metro (Fulton, DeKalb, Gwinnett, Cobb counties) — the highest-volume SFR investor market in Georgia; strong long-term rental demand across all price tiers; corporate relocation drives the upper rental tier; suburban counties offer better cash flow than intown Atlanta
- Atlanta suburbs (Alpharetta, Marietta, Sandy Springs, Decatur) — strong professional tenant base, lower vacancy, premium rents driven by top school districts and corporate proximity
- Savannah — top-performing Southeast STR market; historic district and riverfront properties generate strong vacation rental demand; growing film industry adds long-term rental depth
- Augusta — home to Fort Eisenhower (formerly Fort Gordon), Augusta University Medical Center, and the Masters Tournament; military and medical tenant base provides recession-resistant cash flow; entry-level price points deliver strong DSCR ratios
- Columbus — Fort Moore (formerly Fort Benning) drives consistent military rental demand; affordable acquisition prices produce some of the strongest DSCR ratios in Georgia
Explore Loan Options for Real Estate Investors in Georgia→
Best Cities and Neighborhoods to Live in Georgia
The research for home loans in Georgia usually comes after you find the property that interests you. The good news is that Georgia offers diverse living options across its many regions.
- Atlanta, GA: Georgia’s capital and largest city making it great for real estate investors and those looking to purchase primary homes
- Savannah, GA: Known for its historic charm and coastal proximity this area is great for real estate investing
- East Cobb, GA: East Cobb offers suburban comfort with excellent amenities
- Peachtree City, GA: Known for its unique golf cart paths connecting the entire community:
How to Get the Best Home Loan In Georgia
1. Improve Your Credit Score: Your credit score significantly impacts the interest rate you’ll receive. In Georgia’s competitive market:
- A score above 740 will typically qualify you for the best rates
- Scores between 620-739 will still qualify for most conventional loans, but with higher rates
- Scores below 620 may limit you to FHA loans or require higher down payments
2. Save for a Larger Down Payment: With median home prices in the Atlanta MSA at $450k, a 20% down payment would be $90,000. While many loans allow lower down payments, saving more can:
- Help you avoid PMI on conventional loans
- Qualify you for better interest rates
- Strengthen your offer in competitive situations
3. Get Pre-Approved: Given the current 3.96 months of inventory in the Atlanta MSA, getting pre-approved for a mortgage before house hunting is essential to:
- Understand exactly how much home you can afford
- Move quickly when you find the right property
- Strengthen your negotiating position with sellers
4. Compare Lenders: Georgia has numerous mortgage lenders, from national banks to local credit unions and specialized non-QM lenders. Taking time to compare can save you thousands over the life of your loan:
- Interest rates
- Closing costs
- Loan terms
- Customer service reputation
Georgia Mortgage Programs 2026
As of April 2026, Defy Mortgage offers the following non-QM and traditional mortgage programs to those looking to purchase or refinance properties in the state of Georgia. You have options if you are a first-time homebuyer, seasoned investor, or someone looking to refinance, or self-employed. For specific licensing information, please visit our State Licensing Page.
For real estate investors looking to purchase or refinance. Our DSCR loans in Georgia make financing for real estate investors easy. Instead of digging through your personal income history, lenders look at one thing: whether your property generates enough cash to cover its own debt. That ratio — your debt service coverage ratio — is what gets you qualified, nothing more. With 55% of Atlanta’s housing units renter-occupied and strong rental demand across Savannah, Augusta, and Georgia’s high-growth suburbs, the cash flow fundamentals to support DSCR qualification are already in place across this market.
- Up to 85% LTV purchase SFR (most lenders only go up to 80%)
- No hard maximum loan limit
- DSCR options down to 0.75 minimum
- Min FICO as low as 640 (most lenders have a 660 min!)
Georgia’s growing tech, film, logistics, and aerospace sectors have created an entire class of high-earning self-employed professionals who don’t qualify for conventional financing. Our P&L statement program in Georgia is built for efficiency, ease, flexibility and speed.
- Up to 90% LTV purchase & R/T refi
- No hard maximum loan limit
- Single Family, Condo, Co-ops and Condotels
- Min FICO as low as 640
If you’re someone who doesn’t work a traditional 9-to-5, you may have noticed how challenging it can be to qualify for a mortgage. This is where Georgia bank statement loans can be a lifeline – a way to qualify for a mortgage by simply providing your bank statements. Our Bank Statement loans in Georgia flex however you need them to with lower down payment options.
- Up to 90% LTV Purchase & R/T Refi (most lenders stop at 85%, not us!)
- No hard maximum loan limit
- Primary, Second Home and Investments
- Min FICO as low as 640
Georgia borrowers who want control over their cash flow — not a lender dictating their paydown schedule — should know about interest-only loans. Pay only the interest for a fixed period, keep more cash liquid, and put it to work however your business or investment strategy demands. Refinance when the IO period ends, pay it down, or convert to regular payments. Interest-Only loans in Georgia are an ideal option worth knowing about if you are a contractor, hourly-wage earner, or businerss-owner.
- No principal paydown during the IO period
- Pay off your mortgage as you see fit (yes, really)
- IO periods of 5, 7, or 10 years
- Options for purchase, RT refi and cash-out
Asset Depletion loans in Georgia are a great option for high-net-worth, self-employed, or retired individuals with substantial liquid assets looking to purchase or refinance. Instead of qualifying based on income, your liquid assets do the work — making this one of the most powerful financing tools available for wealth-builders who have assets but don’t draw a traditional paycheck.
- Up to 80% Loan to Value (LTV)
- No hard maximum loan limit
- Min FICO score down to 640
- Primary & second home
If you’re a non-US citizen looking to purchase or refinance an investment or second home in the Peach State, we’re ready to fund it. No US credit score or SSN needed. Whether you’re an international investor targeting Atlanta’s suburban rental corridors, a foreign buyer acquiring a Savannah vacation property, or an overseas investor drawn to Georgia’s aerospace and logistics economy, our foreign national loan program was built for your scenario.
- Up to 70% LTV Purchase & R/T Refi
- Up to $3M Max Loan Amount
- No FICO score required (with alternative credit options)
- DSCR loan or foreign income options
We offer cash-out refinance loans for all of our Non-QM loan options listed above, allowing Georgia homeowners and real estate investors to access equity using alternative income documentation, such as rental income (DSCR), bank statements, or P&L statements, instead of W-2s or tax returns.
| Program | Income Documentation | Max LTV | Min FICO | Best For |
|---|---|---|---|---|
| DSCR Cash-Out | Rental income (no personal income required) | 80% | 640 | Real estate investors |
| Bank Statement Cash-Out | 12–24 months bank deposits | 80% | 640 | Self-employed borrowers |
| P&L Cash-Out | CPA-prepared P&L statement | 80% | 640 | Business owners with write-offs |
| Asset Depletion Cash-Out | Liquid assets | 75% | 640 | High-net-worth, retired borrowers |
| Foreign National Cash-Out | Alternative credit | 65% | Not required | International property owners |
Current Non-QM Rates in Georgia by Loan Type
Example rate ranges shown for a 740 FICO borrower at standard LTV in Georgia. Actual rates vary based on borrower profile, points, reserves, property type, and market conditions. These reflect current rate indications from Defy Mortgage for typical borrower scenarios.
| Loan Type | Purchase Rate | Refi Rate | Standard LTV | Notes |
|---|---|---|---|---|
| DSCR Loan | 6.000% | 6.125% | 75% | Qualifies on property cash flow, min 0.75 DSCR |
| Bank Statement (Personal or Business) | 6.250% | 6.250% | 75% | 12–24 months statements |
| P&L Loan | 6.500% | 6.625% | 75% | CPA-prepared P&L accepted |
| Asset Depletion | 6.250% | 6.250% | 75% | Qualify on liquid assets, no income docs required |
| Foreign National DSCR | 6.750% | 6.750% | 70% | No US FICO required |
Interest-only option: Available on all products above. Add approximately 0.25% to the applicable rate.
Example rates shown are not a commitment to lend and do not include discount points, fees, or APR. These rates are for Georgia only.
Buying a Home In Georgia
Whether you’re relocating to the Peach State or are a first-time buyer in the state, you might find the milder climate and lower cost of living appealing. We don’t blame you. Georgia offers a compelling combination of urban opportunity, suburban affordability, and coastal lifestyle that continues to attract buyers and investors from across the country.
Average Cost of a Home in Georgia
The statewide median home price in Georgia sits around $319,000–$350,000 as of early 2026, with prices varying significantly by market. Atlanta’s median hovers around $380,000–$446,000 depending on the submarket, while Savannah tracks in the mid-$300,000s, Augusta around $200,000–$250,000, and Columbus and Macon offering some of the most affordable entry points in the state at $150,000–$200,000. Georgia’s price points remain significantly more accessible than comparable Southeast markets like Miami or Northern Virginia, making the state one of the most compelling value propositions in the region for both primary home buyers and real estate investors.
As you plan your purchase, keep in mind that home values fluctuate based on a variety of factors including:
- Closing costs
- Down payment
- Mortgage payment
- Homeowner’s Association (HOA) fees
- Maintenance and repairs
- Insurance
- Location
Average Down Payment For a Home in Georgia
On Georgia’s statewide median home price of around $319,000–$350,000, the down payment picture looks like this:
- 3% down — roughly $9,570–$10,500
- 5% down — roughly $15,950–$17,500
- 10% down — roughly $31,900–$35,000
- 20% down — roughly $63,800–$70,000
Conventional loans can require as little as 3% to 5%, FHA loans require just 3.5% with a 580 or higher credit score, and VA and USDA loans offer zero-down options for eligible buyers. Georgia’s USDA eligibility footprint covers a significant portion of the state’s suburban and rural communities — including many areas within commuting distance of Atlanta, Savannah, and Augusta — making zero-down financing more accessible than most buyers realize. Plan on an additional 2%–5% of the purchase price for closing costs on top of your down payment. At Defy Mortgage, we offer Non-QM down payment options as low as 10% depending on borrower criteria and loan type. If you have questions about down payments in Georgia, especially as a real estate investor, just ask.
Compare this to 2025 Down Payment Options in Georgia →
Tips for Buying a Home in Georgia
- Match your strategy to the market you’re shopping in. Atlanta plays by its own rules. Metro Atlanta and its sprawling suburbs are a bidding war waiting to happen, while smaller Georgia towns quietly hand buyers the leverage — more inventory, softer sellers, and room to actually negotiate instead of just bracing for impact.
- Budget for the full cost of ownership, not just the mortgage. The sticker price is the easy part. Property taxes, climbing homeowners insurance premiums, and Georgia’s weather reality (hurricanes brushing the coast, tornadoes hitting inland, humidity eating everything else) can quietly gut your monthly budget. Buy the house you can afford after the hidden costs show up — not before.
- Shop seasonally. Seasonality shapes the home buying game — inventory, pricing, and competition all shift with the calendar. So when’s the best time to buy a house? Winter typically offers the best deals, while spring brings the biggest selection (and the fiercest competition).
Georgia Real Estate Market Overview
Georgia’s real estate market is one of the most strategically diverse investment landscapes in the Southeast — driven by Atlanta’s corporate and tech economy, Savannah’s booming port and tourism-driven STR market, Augusta’s affordable medical and military-anchored rental base, and a statewide business environment consistently ranked among the most competitive in the nation. Georgia is expected to add 65,800 jobs in 2026 with personal income growth of 5.3% — and the state’s expanding data center construction boom, aerospace and defense pipeline anchored by Lockheed Martin and Gulfstream, and continued Port of Savannah expansion create sustained demand across every major rental market in the state. No state estate tax, landlord-friendly regulations, and a flat 5.49% income tax rate make Georgia a structurally sound environment for investors building long-term wealth.
Atlanta / Metro Atlanta: Atlanta is one of the top seven real estate markets to watch in 2026 according to the Emerging Trends in Real Estate report — and the data backs it up. The metro’s median home price is holding near $380,000–$415,000, active listings have increased approximately 44% year-over-year bringing supply to around 3.5 months, and buyers now have meaningful negotiating leverage for the first time in years. With 55% of Atlanta’s housing units renter-occupied, rental demand is structural — not cyclical. Suburban markets like Alpharetta, Smyrna, Decatur, and Norcross are generating consistent DSCR-qualifying rental income for investors targeting long-term hold strategies, while the urban core continues to attract young professional renters from Georgia’s expanding tech and film industries.
Savannah / Coastal Georgia: Savannah is one of the strongest short-term rental markets in the Southeast and among the most compelling DSCR investment markets in the state. The city’s historic district attracts millions of visitors annually, and AirDNA data shows Savannah STR investors generating average annual revenue of $42,644 with a $304 average daily rate. The broader coastal Georgia market — including Brunswick, St. Simons Island, and Jekyll Island — adds additional STR demand driven by beach and eco-tourism. The Port of Savannah is the largest single-container port on the East Coast, and the 2026 opening of the Georgia Ports Authority’s Blue Ridge Connector near Gainesville is expected to further accelerate logistics-driven economic growth across North Georgia. For DSCR investors, Savannah offers a rare combination of premium STR income, consistent long-term rental demand from port economy workers, and acquisition prices that still support positive cash flow.
Augusta / Central Georgia: Augusta’s diversified economy — anchored by Fort Eisenhower (formerly Fort Gordon), the Augusta University Health System, and a growing cybersecurity sector that has made the city one of the most important defense technology hubs in the country — creates structural rental demand that doesn’t evaporate with economic cycles. The city’s relatively low median home prices, strong cap rates, and military BAH-backed tenant base make Augusta one of the most defensible long-term DSCR holds in Georgia for investors focused on cash flow over appreciation.
Athens / College Town Markets: Athens is home to the University of Georgia — one of the largest universities in the Southeast — creating consistent student housing demand that supports strong occupancy rates and predictable cash flow for DSCR investors. The college town market dynamic extends to other Georgia university communities including Statesboro, Valdosta, and Carrollton, each offering affordable acquisition prices and university-driven rental demand that insulates against broader economic volatility.
Columbus / Emerging Markets: Columbus, Gainesville, Warner Robins, and Macon represent Georgia’s emerging investment markets — cities where affordable acquisition prices, growing populations, and stable employment create cash flow fundamentals that are increasingly attracting investors priced out of Atlanta and Savannah. Columbus benefits from Fort Eisenhower’s overflow population and Aflac’s corporate headquarters. Warner Robins is anchored by Robins Air Force Base — one of the largest air logistics centers in the world. These markets offer some of the strongest rent-to-price ratios in the state for DSCR investors focused on immediate cash flow.
Statewide investor advantage: Georgia’s landlord-friendly legal environment, no state estate tax, and flat 5.49% income tax rate combine with a diversified economy spanning logistics, technology, aerospace, defense, film production, and healthcare to make Georgia one of the most structurally sound real estate investment states in the Southeast. Statewide rent growth is tracking 3%–5% annually with the strongest performance in suburban Atlanta, Savannah, and Georgia’s high-growth secondary cities — fundamentals that support continued DSCR qualification across the state’s major markets.
Economic context for buyers and investors:
- Georgia is projected to add 65,800 jobs in 2026 with personal income growing 5.3% — outperforming many comparable Southeast states
- Georgia ranks sixth in the nation for total Department of Defense employment, anchoring stable military-driven rental demand across Augusta, Columbus, and Warner Robins
- The Port of Savannah — the largest single-container port on the East Coast — continues to drive logistics and industrial job growth across coastal Georgia and beyond
Why Defy Mortgage For Georgia Home Loans
Most lenders who say they do Georgia loans are brokers routing your file to a wholesale lender you’ve never heard of. Defy Mortgage is different. We are a direct Non-QM lender — originating, underwriting, and funding every Georgia deal in-house — with a team that closes DSCR loans, bank statement loans, and the full Non-QM suite across the state daily.
Our Georgia-specific advantages are real and they’re material. A 0.75 minimum DSCR — one of the most flexible thresholds available — paired with Georgia’s landlord-friendly legal environment and no state estate tax means more deals qualify and more equity stays in your hands long-term. Up to 85% LTV on SFR purchase. Minimum FICO as low as 640. AirDNA-based STR income accepted for Savannah vacation rental investors. Military market expertise for Augusta and Columbus buyers navigating BAH lease structures. Film and tech industry bank statement loans for Atlanta’s growing class of high-earning self-employed professionals.
14 to 21 day closings. Every time. Because the clock runs on appraisal and title — not income verification.
More Information On Georgia Lending
Georgia Home Loan FAQs
What Georgia home loans can I get?
Most home loan options are available depending upon your lender of choice in the state of Georgia. At Defy Mortgage, we are fully licensed in the state of Georgia, which means that we can provide all purchase and refinance Non-QM and Traditional loans, including:
- DSCR Loans
- Bank Statement Loans
- P&L Loans
- Interest-Only
- Foreign National
- Asset Depletion
- Cash-Out Refinances
What credit score do I need to get a home loan in Georgia?
It depends on the loan type. FHA loans can go as low as 580 with a 3.5% down payment. Conventional loans typically require a 620 or higher. Non-QM products like bank statement and DSCR loans have more flexible requirements. The short answer: don't count yourself out before talking to us. Most of our loan options permit credit scores down to 640.
What is a DSCR loan and is it available in Georgia?
Yes. DSCR loans in Georgia allow real estate investors to qualify using rental income instead of personal income. Most lenders require a DSCR of 1.0, though some go as low as 0.75 with up to 85% LTV — no W-2s, tax returns, or personal income verification required. The best DSCR loan options in Georgia depend on factors like minimum DSCR requirements, loan-to-value (LTV), and property type.
Can I get a home loan in Georgia if I'm self-employed?
Yes! Defy Mortgage uses 12 or 24 months of bank statements in place of W-2s and tax returns — qualifying you on what actually hits your account, not what a traditional underwriter wants to see on a pay stub.
How long does it take to close a home loan in Georgia with Defy Mortgage?
Most loans close in 14 to 21 days. At Defy Mortgage, we originate, underwrite, and fund in-house, which eliminates the delays that come with third-party lenders. The timeline is driven by appraisal and title — not stacks of income documentation slowing your file down.
What is the average home price in Georgia?
The statewide median home price in Georgia sits around $319,000–$350,000 as of early 2026, with prices varying significantly by market. Atlanta's median hovers around $380,000–$446,000 depending on the submarket, while Savannah tracks in the mid-$300,000s, Augusta around $200,000–$250,000, and Columbus and Macon offering some of the most affordable entry points in the state at $150,000–$200,000. Georgia's price points remain significantly more accessible than comparable Southeast markets like Miami or Northern Virginia, making the state one of the most compelling value propositions in the region for both primary home buyers and real estate investors.
Does Defy Mortgage lend in my area of Georgia?
Yes. Defy Mortgage lends in every market and city in Georgia. If you reside in the state or looking to purchase in the state of Georgia, we've got you covered.
How can I get the best mortgage rate in Georgia?
The best Georgia mortgage rate doesn't go to the borrower who waits — it goes to the borrower who prepares. Your credit score, DTI, down payment, loan type, and property all move the rate needle, and every one of them is a lever you can pull before you apply. Get your debt under control, strengthen your credit, and make sure you're in the right loan product for your situation. Georgia's diverse market means loan selection matters more than most borrowers realize — a Savannah vacation rental, an Atlanta suburban long-term rental, and an Augusta military corridor property all carry different rate structures. At Defy Mortgage, we don't just hand you a rate. We show you what your profile looks like, where it can improve, and how to get to the best number available for your Georgia deal.
Can I get a HELOC in Georgia?
Yes — and if you've built equity in your Georgia home, a HELOC or HELOAN is one of the most powerful tools available to put that equity to work. Georgia homeowners can borrow against the value they've built without touching the rate on their first loan — using the proceeds to eliminate high-interest debt, fund major home improvements, launch a business, or reinvest into additional property. In markets like Atlanta, Savannah, and the North Georgia suburbs where home values have appreciated significantly over the past decade, homeowners who have held their properties for even a few years are often sitting on more usable equity than they realize. Defy Mortgage offers HELOC and HELOAN options for Georgia homeowners who are ready to stop letting that equity sit idle.
Are there first-time homebuyer programs in Georgia?
Yes, Georgia offers several programs for first-time buyers. The Georgia Dream Homeownership Program provides down payment assistance of up to $7,500 (or $10,000 for certain professions like educators and healthcare workers). Additionally, the Mortgage Credit Certificate (MCC) program offers tax benefits to qualified first-time homebuyers.
What is the home loan application process in Georgia?
- Pre-qualification: Get a general idea of what you can afford based on your income, debt, and estimated credit score.
- Pre-approval: Submit financial documents for verification and credit check to receive a pre-approval letter stating how much you can borrow.
- House hunting: Find a property within your pre-approved budget.
- Loan application: Once you have a property under contract, complete the full mortgage application.
- Loan processing: The lender verifies your information, orders an appraisal, and processes your application.
- Underwriting: The underwriter reviews all documentation and makes the final decision on your loan.
- Closing: Sign final paperwork, pay closing costs, and receive the keys to your new Georgia home.
Do I need a real estate agent to buy a home in Georgia?
No, you don't need a real estate agent to buy property in Georgia, but having one to assist you in the process can't hurt.
Example rates shown are not a commitment to lend and do not include discount points, fees, or APR. Rates current as of April 2026 and subject to change based on market conditions, borrower profile, and property details. Programs, guidelines, and availability may vary by state. All rate information on this page is specific to the state of Georgia.
Author: Todd Orlando, Co-Founder & CEO of Defy Mortgage — 25 years of experience in Non-QM and investment property lending.
