Mortgage loans in Georgia
Justin Mackler is licensed to originate home loans in Georgia. Here is how a Georgia loan works with him, which programs are available, and a few state rules worth knowing.
How a Georgia loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Georgia title or closing professional handle the appraisal and title work.
- Georgia closings are handled by a Georgia-licensed attorney, so your closing attorney is part of the team from the start.
Loan programs available in Georgia
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
Georgia Dream pairs a first mortgage with down payment assistance structured as a 0% deferred second mortgage, subject to income, price limits and required homebuyer counseling. Georgia Department of Community Affairs (DCA), Georgia Dream
Georgia details to know
- Georgia charges an intangible recording tax on long-term notes secured by real estate of $1.50 per $500 of the loan amount, with a maximum of $25,000 per note. Source: Georgia DOR: Intangible Recording Tax
- Georgia's real estate transfer tax is $1 for the first $1,000 of the sale price and $0.10 for each additional $100. The seller is liable, though contracts sometimes shift it to the buyer. Source: Georgia DOR: Real Estate Transfer Tax
- Georgia is an attorney-closing state. The Supreme Court of Georgia has held that closing a real estate transaction and facilitating execution of the deed is the practice of law reserved to Georgia-licensed attorneys. Source: In re UPL Advisory Opinion 2003-2 (Ga. 2003)
- File for the homestead exemption with your county tax office by April 1 for it to apply to the current tax year. Source: Georgia DOR: Homestead Exemptions
Last reviewed 2026-10-29.
Tell Justin about your Georgia purchase or refinance and he will follow up with real options.
Georgia mortgage questions
Can Justin Mackler help with a mortgage in Georgia?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Georgia through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Georgia?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Georgia with a local closing professional, as state rules require.
Do I need an attorney to close on a home in Georgia?
Yes. Georgia courts treat conducting a real estate closing as the practice of law, so a Georgia-licensed attorney handles the closing and the deed.
What is Georgia's intangible recording tax?
It is a tax on recording a long-term note secured by Georgia real estate, at $1.50 per $500 of the loan amount, capped at $25,000. It is collected when the security deed is recorded.
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