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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Georgia
  4. Atlanta
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Atlanta, GA

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

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Atlanta

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Silverton Mortgage

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.

View Profile
(404) 815-0291
Closed Now
1201 Peachtree St NE #2050, Atlanta, GA 30361
2

Highland Mortgage

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.

Services & Prices
Home Mortgage Loan Quoted per loan
Refinancing Assistance Quoted per loan
First-Time Home Buyer Programs Quoted per loan
View Profile
(404) 850-0959
Closed Now
664 Seminole Ave NE #101, Atlanta, GA 30307
General Services
Mortgage Services
3

BankSouth Mortgage Atlanta

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.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Escrow Management Quoted per loan
View Profile
(678) 551-7120
Closed Now
3290 Northside Pkwy NW Ste 600, Atlanta, GA 30327
General Services
Mortgage Origination
4

Moreira Team | MortgageRight

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.

Services & Prices
FHA Loan Quoted per loan
Refinance Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(404) 238-7888
Closed Now
1100 Peachtree St NE #200A, Atlanta, GA 30309
General Services
Mortgage Services
5

Post Creek Mortgage, LLC

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Mortgage Quoted per loan
VA Home Loans Quoted per loan
View Profile
(404) 217-9758
Closed Now
3372 Peachtree Rd NE Ste 115, Atlanta, GA 30326
General Services
Home Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Sharpe Mortgage Lending Services of Georgia, Inc.

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.

Services & Prices
Home Purchase Loans Quoted per loan
Loan Refinancing Quoted per loan
First-time Home Buyer Assistance Quoted per loan
View Profile
(404) 524-1111
Open 00:00 - 23:59
6425 Powers Ferry Rd NW #297, Atlanta, GA 30339
General Services
Mortgage Services
7

Assurance Financial - Atlanta

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.

View Profile
(770) 558-6469
Closed Now
47 Perimeter Center E #460, Atlanta, GA 30346
8

Mortgage Core LLC

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Mortgage Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(770) 856-6397
Closed Now
2340 Perimeter Park Dr Ste 200, Atlanta, GA 30341
General Services
Mortgage Services
9

Capital City Home Loans

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.

View Profile
(404) 949-9791
Closed Now
3017 Bolling Way NE Suite 158, Atlanta, GA 30305
10

PierPoint Mortgage Atlanta

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.

Services & Prices
Mortgage Refinancing Quoted per loan
Mortgage Rate Comparison Quoted per loan
View Profile
(678) 338-8201
Closed Now
400 W Peachtree St NW Unit 4, Atlanta, GA 30308
General Services
Mortgage Services

Atlanta Mortgage Statistics

Home-purchase lending in Fulton County and home costs in Atlanta, GA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
12,446▼ 3%12,805 in 2024
Denial rate
13%GA 15%
Median home value
$439,600GA $303,300
Monthly cost with a mortgage
$2,423median · GA $1,783
Refinance loans made (Fulton County, 2025)
6,312 · 4,987 in 2024
Home-improvement loans made (2025)
1,899
Average home-purchase loan
$517,000 (GA $371,000)
Owners with a mortgage
72% · 27% of them spend 30%+ of income on housing
Median household income
$85,652 (GA $77,353)

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.

Atlanta Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Atlanta mortgage affordability calculator works

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.

Georgia rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.77% of the home's value a year, the Georgia average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates your maximum home price using income, debts, down payment, and interest rate. It calculates monthly payments, PMI, and property tax.
How accurate is the mortgage estimate from this calculator?
The estimate is a guideline. A pre-approval confirms it by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Georgia?
Lenders usually cap housing costs at 31% of gross income and total debts at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Atlanta?
Minimum down payments are 3% for conventional first-time buyers, 3.5% for FHA loans, and 0% for eligible VA and USDA loans.
How do interest rates affect mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do existing debts affect how much mortgage I can qualify for?
Existing debts reduce your borrowing capacity, as lenders cap total debt payments at 43% of your gross monthly income.
What is the property tax rate for homes in Georgia?
Property tax is about 0.77% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a solid estimate. Pre-qualification is a preliminary assessment.
How does PMI affect my mortgage in Atlanta?
With less than 20% down, PMI adds about 0.6% of the loan per year. It can be removed once the loan balance is below 80%.

General information, not financial advice — consult a qualified professional.