Southern hospitality, now in your mortgage.
Altgage is a licensed Georgia mortgage broker. We shop multiple lenders, offer down payment assistance, and answer the phone, from Atlanta to Savannah.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$335,000
Source: Zillow.com
As of June 2026
Median Days on Market
67 Days
Source: Redfin
As of March 2026
Median Household Income
$80,000
Source: U.S. Census Bureau
2024 data
Where We Lend:
Atlanta, Savannah, Augusta, Columbus, and Athens. Georgia homes are taking longer to sell, so buyers have room to negotiate. We help you turn that into seller credits and a lower rate.
What We Finance
Whatever You're Financing in Georgia
Buying a home
Buying your first or next home? Same-day pre-approval, plus help negotiating seller credits toward your rate or closing costs.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Fixed-rate options, funding in as few as 5 days.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We compare 5+ DSCR lenders across Georgia.
You may need less upfront than you think.
Down Payment Help in Georgia
You may not need a big down payment to buy in Georgia. These programs are open to buyers across the state.
Chenoa Fund DPA
Covers the 3.5% FHA down payment with a second loan. You don't need to be a first-time buyer.
- Pairs with an FHA first mortgage
- Repayable and forgivable options
National Homebuyers Fund
Down payment and closing cost help from a national nonprofit, paired with an FHA loan. Income limits apply.
- Available in every state we serve
- Covers down payment and closing costs
Program terms and income limits change. We'll check what you qualify for before you apply. See the FAQ below for the Georgia Dream program.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across Georgia
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of Georgia
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
The Georgia Dream Homeownership Program, run by the Georgia Department of Community Affairs, offers down payment help through its participating lenders, with income limits. Altgage offers Chenoa Fund and National Homebuyers Fund down payment help to buyers anywhere in Georgia.
Yes. A DSCR loan qualifies you on the property's expected rent instead of your personal income. We compare 5+ DSCR lenders to find your best rate, in Atlanta and across Georgia.
Statewide, the typical home went under contract in about 67 days in early 2026. Slower sales give buyers time to compare homes and ask for seller credits.
Yes. A HELOC lets you borrow against your equity and keep the rate on your first mortgage. Fixed-rate options can fund in as few as 5 days.
Most of our loans close in 15 to 20 days. Pre-approval usually happens the same day you apply.
