How much house can you afford in Atlanta? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Silverton Mortgage
4.9 · 2055 reviews · Free pre-approval
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Highland Mortgage
5.0 · 1294 reviews · Free pre-approval
Get pre-approved →
BankSouth Mortgage Atlanta
4.9 · 489 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Silverton Mortgage handles the entire loan process in-house, which helps speed up closings and keeps clients well informed. They offer a variety of loan programs, including Conventional, FHA, Jumbo, and USDA loans, aiming to match each borrower with the right fit. Customers appreciate the clear communication and support throughout what can be a complex process.
Highland Mortgage is a 100% employee-owned company with over 120 years of combined experience in affordable housing, offering personalized mortgage solutions including home purchases, refinancing, and specialized loan programs like Fannie Mae’s HomeReady. Clients appreciate the team’s clear communication and proactive support, especially when navigating complex or remote transactions.
BankSouth Mortgage Atlanta is known for its highly responsive mortgage origination team that provides personalized attention throughout the home loan process. They offer mortgage financing services with clear communication and a focus on making the application to closing experience smooth. Some customers note that loan servicing after closing is handled separately and may require additional… more...
BankSouth Mortgage Atlanta is known for its highly responsive mortgage origination team that provides personalized attention throughout the home loan process. They offer mortgage financing services with clear communication and a focus on making the application to closing experience smooth. Some customers note that loan servicing after closing is handled separately and may require additional follow-up.
The Moreira Team specializes in guiding first-time homebuyers and those refinancing through thoughtful, personalized mortgage advice. They assist with loan options and paperwork, helping clients feel supported and informed throughout the process. Customers appreciate their clear communication and genuine investment in each family’s homeownership journey.
Post Creek Mortgage stands out for its consultative approach, helping clients understand their mortgage options by comparing offers from over 50 lenders. The team assists with purchase loans, refinancing, and various loan types, guiding clients through the process with clear communication. Customers appreciate their responsiveness and thorough support throughout each transaction.
With over $2 billion in funded home loans, Sharpe Mortgage Lending Services of Georgia, Inc. offers a wide range of mortgage programs beyond typical bank options. They assist with everything from first-time homebuyer loans to jumbo and VA loans, focusing on clear communication and making the process straightforward. Customers appreciate their responsiveness and professional guidance throughout… more...
With over $2 billion in funded home loans, Sharpe Mortgage Lending Services of Georgia, Inc. offers a wide range of mortgage programs beyond typical bank options. They assist with everything from first-time homebuyer loans to jumbo and VA loans, focusing on clear communication and making the process straightforward. Customers appreciate their responsiveness and professional guidance throughout each step.
Assurance Financial - Atlanta focuses on clear communication and thorough guidance throughout the mortgage process. The team helps clients prepare necessary documents in advance, aiming to reduce surprises and streamline home financing. Customers appreciate their attention to detail and consistent follow-up, which often makes buying a first home less stressful.
Mortgage Core, LLC. stands out for its fast, fully online mortgage application and approval process, often securing funding in under 30 days. Licensed in four states, the team assists with home purchase loans and refinancing, offering custom digital quotes and useful tools like payment calculators. Customers appreciate the clear communication and smooth experience throughout.
Capital City Home Loans focuses on helping clients achieve their homeownership goals with a smooth and communicative process. The team handles mortgage applications efficiently and keeps customers informed every step of the way. Many appreciate their thoroughness and clear communication, especially first-time home buyers.
PierPoint Mortgage Atlanta focuses on helping clients find mortgage options that fit their unique situations. The team offers mortgage brokerage and refinancing services, guiding customers through the process with clear explanations and personalized support. Many appreciate how they simplify what can be a complex experience, though some find the process takes time.
Lenders made 12,446 home-purchase loans in Fulton County in 2025 (average about $517,000) and denied 1,880 — 13% of decided applications, compared with 15% across Georgia, according to federal mortgage data (HMDA, CFPB). In Atlanta, the median home is worth $439,600 and 72% of owners have a mortgage, paying a median $2,423 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Fulton County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Silverton Mortgage | 4.9 | 2055 | — | (404) 815-0291 | Visit |
| 2 | Highland Mortgage | 5.0 | 1294 | Quoted per loan | (404) 850-0959 | Visit |
| 3 | BankSouth Mortgage Atlanta | 4.9 | 489 | Quoted per loan | (678) 551-7120 | Visit |
| 4 | Moreira Team | MortgageRight | 5.0 | 332 | Quoted per loan | (404) 238-7888 | Visit |
| 5 | Post Creek Mortgage, LLC | 5.0 | 288 | Quoted per loan | (404) 217-9758 | Visit |
| 6 | Sharpe Mortgage Lending Services of Georgia, Inc. | 5.0 | 273 | Quoted per loan | (404) 524-1111 | Visit |
| 7 | Assurance Financial - Atlanta | 4.9 | 214 | — | (770) 558-6469 | Visit |
| 8 | Mortgage Core LLC | 5.0 | 135 | Quoted per loan | (770) 856-6397 | Visit |
| 9 | Capital City Home Loans | 5.0 | 66 | — | (404) 949-9791 | Visit |
| 10 | PierPoint Mortgage Atlanta | 5.0 | 26 | Quoted per loan | (678) 338-8201 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.