Georgia homebuyers in Atlanta, Alpharetta, Marietta, Savannah, and across the state have access to every loan program: conventional, FHA with Georgia Dream assistance, VA, DSCR, and non-QM. Clear2 is licensed in Georgia and closes loans here every week.
Georgia's growth, driven by 19 Fortune 500 companies, a growing tech sector, and a cost of living well below coastal peers, has created strong buyer demand across the Atlanta metro and beyond. As an independent broker with wholesale lender access, Clear2 shops rates across multiple institutions to give Georgia buyers options a single bank cannot.
We are not tied to one lender's product line. We search the wholesale market to find the right fit for Georgia buyers: lower rates, better terms, more programs including Georgia Dream and Peach Advantage.
Georgia's competitive markets move fast. Our 30-day close guarantee keeps your offer strong without sacrificing the loan terms you deserve.
Georgia property taxes, HOA rules in Alpharetta and Sandy Springs, the Fulton County homestead exemption, the new Peach Advantage program: your loan officer explains every detail before you sign anything.
Whether you are buying your first home in Marietta or relocating for work in Alpharetta, Clear2 has local knowledge of the Georgia markets that matter most.
From first-time buyer FHA loans and Georgia Dream down payment assistance to DSCR investment property financing and jumbo loans for Alpharetta and Sandy Springs, we offer every program available through our wholesale lender network.
Low down payment options starting at 3.5% for Georgia homebuyers. The Atlanta MSA FHA limit reaches $718,750 in Fulton and Cobb Counties, giving buyers strong purchasing power across the metro.
Georgia Dream offers up to $10,000 in deferred DPA at 0% interest. The Peach Advantage program, launched July 2025, extends conventional DPA to first-time and repeat buyers with incomes up to 150% AMI.
Fannie Mae and Freddie Mac programs for Georgia buyers with strong credit. All five Georgia markets share the $832,750 conforming limit. Down payments as low as 3% with no upfront mortgage insurance for 20%+ down.
$0 down financing for Georgia veterans and active-duty service members. No PMI, competitive rates through our VA-approved lender network. Fort Benning, Moody AFB, and Hunter Army Airfield communities welcome.
Qualify based on property rental income, not your personal tax returns. Ideal for Georgia real estate investors building a portfolio in Atlanta, Savannah, or across the metro area.
Use 12 or 24 months of business or personal bank statements to qualify. Built for Georgia business owners, freelancers, and self-employed borrowers whose tax returns undersell what they earn.
Financing above the $832,750 conforming limit for Georgia's higher-priced markets. Alpharetta and Sandy Springs luxury and master-planned community homes often exceed conforming thresholds.
Borrow against your Georgia home's equity without touching your first mortgage. Draw what you need for renovations, debt payoff, or big expenses, and pay interest only on what you use.
Georgia Dream and Peach Advantage can help with your down payment. We check which programs fit you during pre-approval.
Qualify with bank statements, 1099s, or a P&L. Built for Georgia business owners and independent contractors.
Turn Georgia home equity into cash for renovations, debt payoff, or your next rental purchase.
Georgia offers one of the most layered down payment assistance systems in the Southeast. Clear2 is approved to offer all four Georgia Dream program variants, including the Peach Advantage launched July 1, 2025, which for the first time extends DPA to conventional buyers.
Clear2 Mortgage | Licensed in Georgia
Clear2 Mortgage is headquartered at 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084 and operates remotely across Georgia. Every Clear2 loan officer is licensed nationwide, so you work with an experienced professional who understands both the national mortgage market and Georgia's specific programs, tax structure, and closing requirements.
As an independent broker, every Clear2 loan officer has access to 50+ wholesale lenders, so you are never limited to one bank's product line or rate sheet.
Andrew Buno approaches each mortgage transaction with a focus on education and transparency, helping buyers understand their options and move toward homeownership with confidence. He is dedicated to clear communication at every step of the process.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
Does Clear2 lend in Georgia?
Yes. Clear2 Mortgage (NMLS #1911663) is licensed in Georgia and serves buyers across the Atlanta metro, including Atlanta, Alpharetta, Marietta, Sandy Springs, and Savannah. Our team works remotely from our Troy, MI headquarters and is available throughout the process.
What is the Georgia Dream program?
Georgia Dream is the state's primary down payment assistance program for first-time buyers. The standard tier offers up to $10,000 at 0% interest, deferred until you sell or refinance, on purchases up to $550,000. Income limits are $130,290 for 1-2 person households and $149,833 for households of 3 or more. Clear2 is approved to offer all Georgia Dream program tiers.
What is the Peach Advantage program and who qualifies?
Peach Advantage launched July 1, 2025, and is the newest Georgia Dream tier. It extends DPA to conventional loan buyers, not just FHA and VA. First-time and repeat buyers with incomes up to 150% of area median income (AMI) can receive 2% to 5% DPA, or choose 0% DPA paired with a rate reduction. Maximum purchase price is $650,000.
What are the FHA loan limits in the Atlanta metro?
The Atlanta MSA FHA limit is $718,750 for Fulton and Cobb Counties, which are classified as high-cost areas. All five Georgia markets Clear2 serves share the $832,750 conventional conforming limit. These limits give Georgia buyers strong purchasing power relative to national averages.
How does Georgia property tax work for homebuyers?
Georgia assesses property tax at 40% of fair market value. On a $400,000 home, the assessed value is $160,000, and taxes are calculated from there. Fulton County homestead exemption reduces assessed value by $30,000, and the City of Atlanta adds another $30,000 for city residents. The annual filing deadline is April 1. Clear2 factors property taxes into escrow estimates during pre-approval so there are no payment surprises at closing.
What are the best Georgia markets for first-time buyers?
Marietta in Cobb County often stands out for first-time buyers. Its effective property tax rate (~0.69%) is lower than Atlanta's (~0.89%), and home prices are more accessible than Alpharetta or Sandy Springs. Georgia Dream DPA is available statewide, so buyers in all five Clear2 Georgia markets can pair assistance with FHA or conventional financing.
Can I get a HELOC in Georgia?
Yes. Clear2 offers HELOCs to Georgia homeowners on primary residences and investment properties. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from a team that knows Georgia's programs, tax rules, and market.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
