Georgia mortgage broker
Georgia is home for us. Our office is in Atlanta, and the metro is where a lot of our work happens — but we finance homes and rental property statewide, from the suburbs ringing the city out to Augusta, Savannah and the coast.
Most of what we do here isn’t the vanilla file a big bank can rubber-stamp.
It’s investors buying rentals on the property’s own cash flow, self-employed owners whose tax returns don’t tell the full story, and buyers who got a no somewhere else. We shop those files across dozens of wholesale lenders and tell you plainly what you actually qualify for — before you spend a weekend house-hunting on a maybe.
- Atlanta-based, licensed statewide
- DSCR & self-employed loan specialists
- Hablamos español
- NMLS #2187991
Andes Mortgage LLC — a licensed mortgage broker, not a lead form.
- Licensed in Georgia
Regulated Georgia mortgage broker serving the whole state.
- Broker, not a single lender
We shop your file across many wholesale lenders to fit your situation.
Georgia housing market at a glance
Georgia’s housing market has settled into a steadier rhythm after the run-up of recent years. Prices across much of the state have flattened or cooled slightly, and homes are sitting a little longer — which hands buyers more room to negotiate and gives investors a wider field to work in, especially around metro Atlanta.
The figures below pull live from public listing data and update automatically each month, so you’re always looking at where the Georgia market actually is right now.
Georgia housing market
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Figures are Realtor.com listing data (what sellers are asking) — not sale prices. Source: Realtor.com via FRED (Federal Reserve Bank of St. Louis). Updates monthly.
Mortgage interest rates today in Georgia
Last update: August 15, 2026
Conventional mortgage - Purchase
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.586% | 6.595% |
| 20-yr. fixed | 6.184% | 6.191% |
| 15-yr. fixed | 5.979% | 5.992% |
| 5-yr. ARM | 7.25% | 6.928% |
Conventional mortgage - Refinance
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.645% | 6.652% |
| 20-yr. fixed | 6.247% | 6.254% |
| 15-yr. fixed | 5.885% | 5.913% |
| 5-yr. ARM | 6.412% | 6.442% |
National 30-year fixed rate
Where the benchmark has moved over the past year. Reported by the Federal Reserve of St. Louis (FRED).
30-Year Fixed Mortgage Rate — Last 12 Months
Source: Freddie Mac PMMS via FRED
Where to go next
Follow your situation into the details — terms, down payment, and the documents each program needs. Every program below is open to Georgia borrowers today.
Finance a Georgia rental on the property’s income — no tax returns, no personal DTI. Our lowest-competition, highest-demand investor program in the state.
Already own Georgia rentals? Pull equity out on the portfolio’s cash flow without touching the rate on your current mortgage.
Buying above the conforming limit in Atlanta or the suburbs? Competitive jumbo financing, plus non-QM jumbo routes for complex or self-employed files.
Georgia has a large veteran and military community. Put your VA benefit to work — $0 down, no PMI, on purchases, refinances, even renovation.
Find your Georgia loan in minutes
Answer a few quick questions and we’ll point you to the program that fits and what you’d need to qualify — no credit pull, no obligation. Hablamos español.
Andes Mortgage LLC · NMLS #2187991 · Equal Housing Lender. Licensed mortgage broker in Georgia. Market figures are Realtor.com listing data (not sale prices), published via FRED (Federal Reserve Bank of St. Louis) and updated monthly. This page is informational and is not a commitment to lend; program terms and eligibility vary by lender and are subject to change.