FHA loans in Georgia:
personalized advisory
E&E Funding headquarters. We know every county, every market and every Hispanic community - from Atlanta to Savannah, Gwinnett to Augusta. Loans up to $524K.
2026
housing
from 3.5%.
attended
Here he was bornE&E.
Our headquarters. We know every county, every Hispanic realtor and every title company from Atlanta to Augusta. If you live in Georgia, you work directly with the founding team.
The Gwinnett-Cobb-DeKalb corridor is home to the fastest-growing Hispanic community in the southern United States. Pastora Erika Cantero, founder of E&E, has spent more than a decade helping families in this corridor turn the dream of homeownership into a turnkey home - regardless of whether they are self-employed, cash-only or don't have SSNs.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Credit Flexible - we work with you
- Limit GA $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor individuals with formal employment who do not file traditional tax returns. Instead of traditional payroll (W-2) or tax returns, we verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Credit We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Statements, P&L, 1099, DSCR
- Credit We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
Everything you needknow in Georgia
-
For most Georgia counties the FHA 2026 limit is$524,225for a 1-unit property. In high-cost counties it may be higher. This limit covers 95% of the properties on the market in Atlanta, Savannah and Augusta at current median prices.
-
Yes, with the programITIN / TwoRiveryou can qualify using your Individual Taxpayer Identification Number (ITIN) and an alternative payment history - 12 months of verified rent and 3 months of bank statements. Down payment is from3.5%The same as standard FHA.
-
With FHA Standard the down payment is from3.5%. For a $375,000 home (median price), that would be approximately $13,125. The family gift can cover 100% of the down payment. If your history needs strengthening, we will walk you through the process before you apply.
-
It is an exclusive E&E program. We make government-backed FHA loan.no tax returns or check stubs required. Instead, we verify your employment directly with your employer over the phone - we confirm your title and how long you've been working. It's that simple. If you are self-employed or an entrepreneur and need to use statements, that's our Non-QM program.
-
We operate inthe entire state of Georgia. Our primary markets are Atlanta, Augusta, Savannah, Macon, Columbus, Athens, Sandy Springs, Roswell, Lawrenceville and Marietta. The Gwinnett-Cobb-DeKalb corridor - where the largest Hispanic community in the South is concentrated - is our specialty.
Your home in Georgia.
Ourhome as well.
Atlanta - Gwinnett - Savannah FHA - ITIN - Non-QM
We are local. We know the market, the community and the programs that others don't offer. If you don't qualify today, we'll work with you - even if we have to strengthen your profile first.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything