Georgia Conventional Loan Built on Real Numbers
A Georgia Conventional Loan is shaped around your file - 3% down for qualified buyers, conforming math, PMI rules. We run the numbers honestly before any commitment, not a generic pitch.
Guidance homeowners rely on
When it comes to decisions this important, most homeowners look for signals they can trust. Thousands of families just like yours have moved forward with clarity and confidence through guidance grounded in transparency, precision, and consistent results, reinforced by a strong reputation across trusted platforms throughout the web.
Why Conventional Fits Most Georgia Files
3% Down Conventional in Georgia
3% down is real but tied to qualification rules. We confirm whether your file qualifies, or whether 5-10% is more realistic.
Georgia Rate Comparison: Conventional vs FHA
Once mortgage insurance is included, conventional often wins over FHA. We run all programs against your file before recommending - never default to conventional.
PMI Cancels at 80 Percent on Georgia Loans
PMI on conventional loans has a clear exit, unlike FHA. Auto-cancels at 78% of original LTV. Borrower request at 80% on current value.
Our Rates For You
CONV 30 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Your Georgia Conventional Roadmap
Three Real Wins From a Georgia Conventional Loan
Georgia Loan Amounts Within Conforming Limits
Conforming loans stay within FHFA's annual limits. The limits cover most current purchases. We tell you upfront whether your target falls within standard conforming or stretches into high-balance or jumbo territory.
Georgia Rate Structure Options
30-year fixed, 15-year fixed, plus 5/6, 7/6, and 10/6 ARM options. Long-term hold favors fixed. Move within seven years often favors ARM. We model both options against your timeline before recommending.
Primary, Second Home, and Investment Eligible in Georgia
Conventional handles primary residences, second homes, and investment properties. Different rules apply per type. Primary: 3% for qualified buyers. Second homes: 10% minimum. Investments: 15-25% with rate adjustments built in.
$810M
18 Years
27500+
Conventional vs Other Loans
Conventional
FHA
VA
USDA
For homes beyond standard loan limits.
High value homes should not mean high stress financing. A conventional loan with jumbo options offers competitive rates, simple terms, and a clear path to purchase without compromise.
What could you afford with a conventional loan
Before you fall for a listing, see how the math feels. Use the calculator to test price, down payment, and taxes for your county. You will know what is comfortable before you schedule tours.
Real people. Real challenges. Real mortgage success.
What if answers changed everything you feared?
Still unsure? Talk to someone who hears you, not a script.
A Georgia Conventional Loan is funded privately under Fannie Mae or Freddie Mac rules - no government backing. Credit, down payment, and DTI determine terms. The 30-year fixed dominates Georgia files.
Minimum down payment runs 3% for qualified buyers using HomeReady or Home Possible. Standard conventional starts at 5%. 20% down eliminates PMI. We model 3%, 5%, 10%, and 20% on your file - decision rests on real numbers.
Yes - conventional loans typically start at 620 credit. Some lenders overlay to 640 or 660. Below 620, FHA often fits better. We pull credit on day one and explain which programs work for your score.
Automatic PMI cancellation happens at 78% LTV based on original value. Earlier cancellation at 80% current LTV via borrower-paid appraisal. Once gone, PMI never returns - unlike FHA MIP which persists for the loan life.
Fixed rate locks your payment for the entire term. ARM starts lower then adjusts after the initial period. Fixed wins long-term holds. ARM wins shorter horizons where you sell or refi before adjustment.
$806,500 is the 2026 conforming standard limit on single-family homes in most counties. Above the cap, loans become jumbo - different underwriting, different pricing. We confirm your loan size against the limit before quoting.
Conventional loans qualify for primary, second home, and investment property. Primary: 3% for qualified buyers. Second home: 10% minimum. Investment: 15-25% with rate adjustments. We map your scenario to the right structure first.
The latest from Oxford
Still have a question?
No problem. Let’s just talk.
About Oxford
Refinance Loan
Resources & Calculators
Hire
Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. No statement herein should be construed as being made on behalf of any state or federal agency.
© 2026 Lower, LLC | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc.