Last updated: Oct 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851.
Moreira Team | MortgageRight works out of 1100 Peachtree St NE in Midtown Atlanta. We help buyers and homeowners across the metro, from a first condo in Midtown to a jumbo purchase in Buckhead, and we shop each loan with 28 lenders to find the one that fits your situation.
The short answer: why work with a broker in Atlanta
A bank can offer you its own loans. A broker compares loans from many lenders. Because we shop 28 lenders, we can put several real options side by side, with the rate, the fees and the cash you need to close, and help you pick the one that suits you. You work with one local team from the first call to the closing table.
What you get with the Moreira Team
- 28 lenders, one application. You give us your details once, and we compare programs and pricing across our lenders for you.
- An approval you can lean on. Our Upfront Approval Guarantee verifies your income, assets, debts and credit before you make an offer, which gives Atlanta sellers more confidence when several buyers want the same house.
- Reviewed by Atlanta borrowers. Our clients rate us 4.8 to 5.0 across Zillow, Google, Experience.com and Yelp.
- A local team you can reach. Licensed mortgage advisors in our Peachtree Street office, Monday to Friday 8am to 8pm and Saturday 10am to 4pm. Meet the Moreira Team.
Atlanta counties we serve and the 2026 loan limits
We lend throughout metro Atlanta and the rest of Georgia. The five core counties below are all in the Atlanta-Sandy Springs-Roswell metro area, so they share the same 2026 limits for a one-unit home:
| County | FHA limit (one unit) | Conforming limit (one unit) |
|---|---|---|
| Fulton | $718,750 | $832,750 |
| DeKalb | $718,750 | $832,750 |
| Cobb | $718,750 | $832,750 |
| Gwinnett | $718,750 | $832,750 |
| Clayton | $718,750 | $832,750 |
A loan above the conforming limit is a jumbo loan; see jumbo loans in Atlanta. Limits for two- to four-unit homes are higher. Limits are set each year by HUD (FHA) and the Federal Housing Finance Agency (conforming). Buying elsewhere in the state? Start with our Georgia mortgage page.
Georgia Dream down payment help in Atlanta
Georgia Dream, run by the Georgia Department of Community Affairs, pairs a 30-year fixed-rate first mortgage with a second mortgage for the down payment that carries 0% interest, no monthly payments and deferred repayment. For most eligible buyers the help is 5% of the purchase price or $10,000, whichever is less. Protectors, educators and nurses, and households that include a member with a disability, can receive 6% or up to $12,500, whichever is less.
The main requirements: a 640 minimum credit score, at least $1,000 of your own money toward the purchase, homebuyer education, and, in most areas, being a first-time buyer, meaning you have not owned and lived in a home in the past three years. Income and price limits apply and depend on the county. Our Georgia Dream and down payment help guide covers the details.
Loan programs for Atlanta buyers
- FHA loans in Atlanta: lower down payment and flexible credit guidelines.
- VA loans in Atlanta: for eligible veterans, service members and surviving spouses.
- USDA loans: for eligible homes in qualifying areas outside the urban core; see how to get a USDA home loan near Atlanta.
- Conventional loans: for buyers with steady credit who want to avoid lifetime mortgage insurance.
- Jumbo loans in Georgia: for homes above the conforming limit, with Atlanta specifics on our Atlanta jumbo page.
- Bank statement loans: for self-employed buyers whose tax returns understate their income.
Buying a home in Atlanta: where to start
Start with a pre-approval so you know your number before you tour homes; our Georgia pre-approval page explains what to gather, and our pre-approval letters are good for 120 days. Our complete guide to buying a home in Atlanta walks through the market and the process, and our Georgia closing costs guide helps you plan the cash you need. In Georgia an attorney handles the closing; see what a Georgia closing attorney does.
Mortgage options in Atlanta neighborhoods and nearby cities
We finance homes in every intown neighborhood, from Midtown, Buckhead and Old Fourth Ward to Virginia Highland, Ormewood Park and Druid Hills. Looking outside the city? See our local guides: mortgage options in Alpharetta, Marietta, Woodstock, Kennesaw, Johns Creek, Milton and Cumming.
Atlanta mortgage FAQ
Is Moreira Team a mortgage broker or a lender?
Moreira Team | MortgageRight works as a mortgage broker: we compare loan options from 28 lenders and manage your loan from application to closing.
Which Atlanta counties do you serve?
All of metro Atlanta, including Fulton, DeKalb, Cobb, Gwinnett and Clayton counties, and the rest of Georgia.
What is the FHA loan limit in Atlanta in 2026?
For a one-unit home in Fulton, DeKalb, Cobb, Gwinnett and Clayton counties, the 2026 FHA limit is $718,750, according to HUD.
When is a mortgage in Atlanta considered a jumbo loan?
In 2026, a loan above $832,750 on a one-unit home in the Atlanta metro counties is above the conforming limit set by the Federal Housing Finance Agency, so it is a jumbo loan.
Can I get down payment help to buy in Atlanta?
Often, yes. Georgia Dream offers eligible buyers 5% of the purchase price or $10,000, whichever is less, and up to $12,500 for protectors, educators, nurses and households including a member with a disability. Income, price and credit requirements apply.
How long is a pre-approval good for?
Our pre-approval letters are good for 120 days. If you have not found a home by then, we can update it.
Equal Housing Lender
All loans are subject to credit approval. Rates, terms, and program availability are subject to change without notice. This information is for educational purposes only and does not constitute a commitment to lend. Additional restrictions may apply.
