OnlyWay Mortgage · Atlanta & Georgia
The right loan,explained.
Buying a home is exciting. Financing it should not be stressful. We help you understand your options, get pre-approved and move to closing with someone in your corner.
However you like to decide, start here.
- 01Bottom line firstGet pre-approved and know exactly what you can spend.Get pre-approved
- 02Show me what's possibleSlide the numbers and watch your next home come into focus.Try the payment studio
- 03Walk me through itFour simple steps, explained as we go. No question is too small.See the four steps
- 04Give me the detailsGeorgia closing costs, taxes, first-time buyer programs and refinancing math.Read the guides
OnlyWay Mortgage at a glance
- What is it?
- Mortgage guidance and origination for Georgia homes through licensed lending partners.
- Who is it for?
- First-time buyers, move-up buyers, luxury buyers and homeowners considering a refinance.
- Where?
- Metro Atlanta and across Georgia.
- How do I start?
- Book a no-pressure conversation. No credit check until you choose to apply.
01How we help
Whatever your next step,we will walk it with you.
Get pre-approved
Know your numbers before you fall in love with a house. We review your goals, explain what lenders look for and help you get a pre-approval you can shop with confidently.
Buy your home
We compare loan options with you, keep the lender, agent and closing attorney in sync, and make sure nothing surprises you at the closing table.
Refinance
We look at your current loan, your plans and the real costs to help you decide if a refinance truly helps, and walk you through it if it does.
First-time buyers
Never done this before? Perfect. We explain every step, every document and every number, and we are one call away the whole time.
02The process
Four simple steps.
- 01
Talk
A relaxed conversation about your goals, timeline and comfort zone. No pressure and no credit pull to start.
- 02
Plan
We outline loan options that could fit, what each would ask of you, and what to gather.
- 03
Apply
You apply through our licensed lending partner's secure application. We stay with you through underwriting.
- 04
Close
We coordinate with your agent and closing attorney so your closing day feels like a celebration.
Payment studio · Powered by CLOSA
Find yourcomfortable number.
Estimated monthly payment
$2,792
- Principal & interest$2,275
- Property tax$367
- Insurance$150
- HOA$0
- Cash for down payment
- $40,000
- Income where this feels comfortable*
- $119,662 / yr
*Keeps the payment near 28% of gross income, a common lending guideline. Estimate only, based on a 30-year fixed loan and the example rate you set. It is not a loan offer, rate quote or approval. Closing costs and mortgage insurance are not included.
Turn this into The OnlyWay Plan
03Loan options
Options that fityour life.
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Georgia mortgage guides
Know beforeyou borrow.
- Mortgage Pre-Approval in GeorgiaHow mortgage pre-approval works in Georgia: what to gather, what lenders review, and how a strong pre-approval helps your offer. Friendly, plain-English guidance from OnlyWay Mortgage.
- First-Time Home Buyer Loans in GeorgiaFirst-time home buyer loan options in Georgia, explained simply: conventional, FHA, VA and USDA loans, plus down payment help through the state's Georgia Dream program for eligible buyers.
- Refinance Your Mortgage in GeorgiaThinking about refinancing your Georgia home? We help you compare your current loan with new options, including the true cost and break-even point, in plain English.
- Closing Costs in Georgia, ExplainedWhat closing costs look like in Georgia: attorney closings, the state transfer tax and intangible recording tax, and the other fees buyers and sellers should expect.
04Questions
Good questions.
How much home can I afford?
It depends on your income, debts, savings, credit and the loan program. We will walk through it together and show you a comfortable range, not just the maximum a lender might allow.
Do I have to use OnlyWay Mortgage if I buy with The OnlyWay Team?
No. You are always free to choose your own lender. We are happy to work alongside any lender you prefer.
Will talking to you affect my credit?
A first conversation does not. A credit check happens only when you choose to apply, and we will tell you before it does.
What loan types are available?
Available programs depend on our licensed lending partner and your situation. We will explain which options could fit you and why.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Real estate brokerage, residential mortgage, and commercial or investor capital services may be provided through different licensed entities or approved partners. Each service is offered only by the entity licensed or authorized to provide it.
Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
Equal Housing Lender.
Let's find the loanthat fits your life.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.