Self-Employed Loans in Georgia (2026): Requirements & Lenders

Self-Employed loan snapshot for Georgia

Item	Estimate
Minimum down payment	3%–10%
Minimum credit score	620–660
Typical GA home value	$272,900
3.5% down on typical home	$9,552
20% down on typical home	$54,580
Avg. effective property tax	0.81%/yr (~$184/mo)
Income for typical home (31% rule)	$85,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Georgia programs pair with Self-Employed loans?

Georgia Dream Homeownership Program: A fixed-rate first mortgage plus deferred, zero-interest down payment assistance for eligible buyers.
Georgia Dream PEN / CHOICE: Higher assistance amounts for public safety, educators, healthcare workers, military and households with a disabled member.

Details and current limits: Georgia Department of Community Affairs (Georgia Dream).

What documents do self-employed borrowers need?

Two years of personal federal tax returns (all schedules).
Two years of business returns (1120S, 1065 or 1120) if applicable.
Year-to-date profit and loss statement.
Business license or CPA letter verifying the business.
Recent personal and business bank statements.

Full-doc vs bank-statement loans

	Full documentation	Bank-statement (non-QM)
Income source	Tax returns	12–24 months of deposits
Down payment	3%–5%+	Usually 10%+
Rate	Market	Typically higher

Self-Employed loans in Georgia cities

Atlanta Columbus Augusta Macon Savannah Athens South Fulton Sandy Springs Roswell Johns Creek Warner Robins Albany Alpharetta Marietta Stonecrest Brookhaven Smyrna Valdosta Dunwoody Gainesville Newnan Mableton Peachtree Corners Milton Peachtree City East Point Rome Evans Tucker Woodstock Douglasville Stockbridge Hinesville Canton Dalton Statesboro Kennesaw Martinez Duluth LaGrange Lawrenceville Redan Chamblee McDonough Union City Pooler Carrollton Sugar Hill Decatur Griffin Cartersville Acworth Perry Suwanee Candler-McAfee Snellville Forest Park Fayetteville Kingsland Winder St. Marys Thomasville North Decatur North Druid Hills Conyers Villa Rica Holly Springs Norcross Buford Calhoun Powder Springs Richmond Hill Tifton Milledgeville Fairburn Grovetown Lithia Springs St. Simons Dublin Americus Monroe Brunswick Lilburn Loganville Riverdale Clarkston Moultrie Wilmington Island Dallas Belvedere Park Bainbridge Covington Jefferson Braselton College Park Waycross Vinings Mountain Park Port Wentworth Douglas Georgetown Rincon Lovejoy Vidalia Doraville Scottdale Fair Oaks Garden City Fort Oglethorpe Flowery Branch Cedartown Cordele Cairo

Frequently asked questions

Yes. Self-Employed loans are available statewide in Georgia through approved lenders, subject to county loan limits where they apply.

Often yes. Georgia Department of Community Affairs (Georgia Dream) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.

Self-Employed loans in Georgia