Hard money lenders in Georgia

The Georgia market

Atlanta is one of the top three flip and BRRRR markets in the country by investor count, with strong suburban build-to-rent and a steady supply of 1960s–1980s inventory inside the perimeter. Savannah’s port-driven growth supports small multifamily plays.

Licensing

The Georgia Residential Mortgage Act regulates loans primarily for personal, family or household purposes; business-purpose investment loans to entities are generally outside its licensing requirement. Many lenders still register as a matter of practice.

Usury and interest-rate rules

Georgia permits any interest rate agreed in writing on loans above $3,000, subject to a criminal usury ceiling of 5% per month. Fees and points are typically unrestricted on business-purpose loans.

Foreclosure and lender risk

Georgia uses non-judicial foreclosure as its primary method, with a typical timeline of non-judicial — among the fastest in the u.s., often 37 to 60 days; sales on the first tuesday of the month. Non-judicial process lets a lender recover collateral through a trustee sale without a lawsuit, which lowers lender risk and translates into more aggressive leverage and sharper pricing for borrowers.

What is different here

Georgia’s speed of foreclosure is a major reason national lenders offer their most aggressive leverage here. Atlanta’s investor-dominated single-family rental market also means deep DSCR exit liquidity.

Lenders active in Georgia

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