Atlanta, Georgia

Atlanta mortgage broker.
Buckhead high-rises to Gwinnett townhomes.

Metro Atlanta runs from Buckhead high-rises to Gwinnett townhomes to acreage in Cherokee County. No single bank’s menu covers all of that, so Oak Capital Mortgage shops a range of wholesale lenders, with a Georgia-licensed loan officer guiding you start to finish.

Takes about 2 minutes. A quick inquiry, not a loan application.

Conventional • Jumbo • FHA • Bank Statement • VA • Renovation • DSCR Investor • Bridge

Metro Atlanta

A metro this big deserves more than one lender's menu.

Metro Atlanta covers a lot of ground, from Buckhead high-rises to townhome communities in Gwinnett and acreage in Cherokee County. One bank’s programs rarely fit every situation, so we shop several.

Condos, townhomes and new builds

High-rise condos, HOA townhome communities and fresh construction in the suburbs each come with their own lender rules. We steer the property to lenders that handle it well.

Use your due diligence window

Many Georgia contracts include a due diligence period. We start the financing early so you can spend that time on inspections and decisions, not chasing paperwork.

Kirkwood, Grant Park and East Atlanta

Older intown houses here often come with a to-do list. Rather than paying cash for repairs later, you can fold the work into the mortgage through a renovation program.

Built for business owners

Atlanta has no shortage of entrepreneurs, creatives and contractors. Bank statement and asset-based programs qualify you on deposits or savings.

ATL loan programs

Intown condos to suburban new builds.

Midtown condo first? Brookhaven move-up? A rental by the BeltLine? Each one points to a different tool. Choose a program to see its fit.

Conventional

Single-family homes, townhomes and approved condos from Decatur to Alpharetta, with lenders compared side by side.

Often a fit for: steady earners with established credit.

Jumbo

Above $832,750 for Buckhead, Ansley Park, Morningside, Brookhaven and Milton.

Often a fit for: executive and luxury moves.

FHA

A government-backed loan with a lower down payment and room for credit bumps. FHA loan details.

Often a fit for: first-time buyers in South Fulton, Clayton and Henry counties.

VA

Benefits earned through service, with no down payment required for eligible borrowers. Explore VA loans.

Often a fit for: veterans across metro Atlanta and eligible surviving spouses.

Bank Statement & Asset-Based

Business deposits or liquid assets can qualify you when write-offs shrink your taxable income.

Often a fit for: film-industry freelancers, founders and contractors.

DSCR Investor

The property’s rent qualifies the loan, with LLC ownership often allowed.

Often a fit for: investors in intown neighborhoods and suburban single-family rentals.

Renovation

Buy the Craftsman and fund the kitchen, roof or addition in one loan.

Often a fit for: buyers in Kirkwood, Grant Park, East Atlanta and West End.

Bridge

Unlock your current home’s equity to buy the next one first. How bridge loans work.

Often a fit for: families moving up across the metro.

Making the leap

Ready to own a piece of Atlanta?

Weighing a Midtown condo against a townhome out in the suburbs? Your savings may stretch further than you expect. Several programs come with lower down payment options, and some let family contribute a gift. We lay out the upfront cash for each, Georgia closing costs included.

Across the metro

Intown, OTP and the growing suburbs.

Our Atlanta coverage stretches across Fulton, DeKalb, Cobb, Gwinnett, Cherokee, Forsyth, Clayton, Henry and Fayette counties, inside the Perimeter and out.

Intown Atlanta

Buckhead · Midtown · Ansley Park · Virginia-Highland · Inman Park · Old Fourth Ward · Grant Park · Kirkwood · East Atlanta · West Midtown

North & West

Sandy Springs · Brookhaven · Dunwoody · Roswell · Alpharetta · Johns Creek · Milton · Marietta · Smyrna · Woodstock

East & South

Decatur · Tucker · Stone Mountain · Lawrenceville · Snellville · East Point · College Park · McDonough · Peachtree City

Moving between Atlanta and Charlotte along I-85? We are licensed in Georgia, North Carolina and South Carolina, so one team can help at both ends.

Client reviews

What borrowers say about working with us.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda N 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Y 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John S 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Questions

Georgia closing costs, condos and more.

Don’t see yours? Call (877) 991-7283.

What is Georgia's intangible recording tax?

It’s a state tax collected when a long-term loan secured by real estate is recorded: $1.50 for every $500 of the loan amount, capped at $25,000. It usually shows up among the buyer’s closing costs, and we build it into your estimate.

Who pays the transfer tax on an Atlanta-area home?

Georgia’s transfer tax works out to $1 per $1,000 of the sale price. By law the seller owes it, though a purchase contract can shift it, so read that section closely. It’s separate from the intangible tax on your loan.

Will I sign a mortgage or a security deed?

In Georgia, your loan is secured by a security deed rather than a traditional mortgage. The closing attorney prepares and records it along with your warranty deed. For you, it works much like a mortgage does elsewhere.

Can I buy a Midtown or Buckhead condo with a standard loan?

Usually, if the building meets lender guidelines. Underwriters review the association’s budget, insurance, owner-occupancy and any litigation, and FHA or VA loans need the project on their approved lists. Some buildings need a non-warrantable condo lender, so share the address early.

Should I compare the builder's lender on a new home in Forsyth or Cherokee County?

It’s worth doing. Builder incentives can be real, but the total picture includes closing costs and loan terms too. We’ll set a quote from our lender network beside the builder’s offer so the decision is yours.

When does a Buckhead, Brookhaven or Milton purchase need jumbo financing?

When the amount you borrow tops $832,750 for a one-unit home, metro Atlanta’s 2026 conforming cap, the loan is a jumbo. Plenty of Buckhead, Brookhaven and Milton purchases cross that line. Jumbo underwriting differs lender to lender on reserves and paperwork, which is why we shop it.

Local market guides

More Georgia guides.

Georgia overview · Savannah · Augusta · Athens · Columbus

Inside the Perimeter or out, let's talk.

Decatur, Marietta, Alpharetta or inside the Perimeter, getting started looks the same: a quick online form or a call. Then a licensed loan officer follows up with you directly.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Atlanta mortgage broker.Buckhead high-rises to Gwinnett townhomes.