Georgia Mortgage Lender

Personalized Home Loans and Refinancing Across the State

Looking for a reliable mortgage lender in Georgia? The CTC Mortgage branch in Avondale Estates is your trusted resource for home financing statewide. Whether you’re buying your first home in Gainesville or refinancing a property in Albany, our Georgia-based team will help you navigate your options with care and confidence. From conventional purchases to FHA, VA, USDA, and more, we make the process easy, local, and focused entirely on you.

Local expertise, full-service options, and competitive rates

CTC Mortgage offers a wide range of home loan solutions customized to fit your financial goals. Whether you’re buying a new home or refinancing your current one, we’ll help you find the right path. Our Georgia mortgage programs include:

  • 5% Down Conventional Loans – Great for buyers with solid credit
  • FHA Loans (3.5% Down) – Flexible credit requirements, ideal for first-time buyers
  • VA Loans – 100% financing for Georgia veterans and active-duty service members
  • USDA Loans – Zero-down financing for eligible rural areas across the state
  • Jumbo Loans – Higher-value financing with competitive terms
  • Reverse Mortgages – For homeowners age 62+, tap into equity without monthly payments
  • 203(k) Rehab & Homestyle Loans – Buy and renovate with one mortgage
  • Construction-to-Permanent Loans – Build your dream home in Georgia with a seamless loan
  • Second Mortgages & Piggyback Loans – Extra flexibility for higher-priced homes
  • Refinance options are just as robust, including rate-and-term loans, cash-out refinances, FHA and VA Streamline refinances, debt consolidation, and self-employed borrower programs. If you’re not sure where to start, our team will walk you through every option to find the loan that fits.

From Small Towns to Suburban Neighborhoods, We Know Georgia Real Estate

CTC Mortgage proudly serves homebuyers and homeowners across Georgia — from the rolling hills of North Georgia to the agricultural heart of South Georgia and the suburbs of Atlanta, Macon, and Savannah. We understand the nuances of each community’s market and offer tailored mortgage guidance for buyers in both rural and urban areas.


Many Georgia borrowers benefit from USDA loan eligibility in rural counties, and our team specializes in helping first-time homebuyers secure down payment assistance where available. Whether you’re buying a home in a growing metro suburb or refinancing in a quiet country town, we provide financing strategies rooted in local market insight.


CTC Mortgage is also experienced with non-traditional property types often found across Georgia — including manufactured homes with land, large-acreage lots, and agricultural parcels. If your situation falls outside conventional lending guidelines, we’ll help explore flexible loan solutions designed to meet your needs.

Two overlapping speech bubbles, one with a question mark.

Georgia Mortgage Services

Frequently Asked Questions

  • Do you serve all of Georgia or only the Moultrie area?

    Yes — while our branch is located in Moultrie, we proudly serve borrowers across the entire state of Georgia. From Atlanta and Savannah to Valdosta, Columbus, and rural communities throughout the state, our team offers personalized mortgage solutions wherever you are in Georgia.

  • What types of home loans are available for Georgia borrowers?

    CTC Mortgage provides a wide range of loan options tailored to meet Georgia’s diverse housing needs. These include Conventional, FHA, VA, and USDA loans, as well as jumbo mortgages and specialty programs like construction loans and reverse mortgages. Whether you’re buying your first home, upgrading, or investing, we’ll help you find the right fit.

  • Is now a good time to refinance my Georgia mortgage?

    If you’re looking to lower your monthly payment, shorten your loan term, or tap into your home equity, refinancing may be a smart move — especially if home values in your area have appreciated. Georgia homeowners across metro and rural areas are taking advantage of today’s options to improve their long-term financial position. We’ll help you evaluate the current refinance rates in Georgia and whether they align with your goals.

  • Do you offer mortgage solutions for self-employed Georgians?

    Absolutely. We work with many self-employed borrowers across Georgia who may not qualify under traditional lending guidelines. Programs like bank statement loans allow us to use your income deposits — not your tax returns — to help you qualify for a home loan. Whether you’re a small business owner in Atlanta or a contractor in a rural county, we can find a solution that works for you.

  • How do I apply for a home loan with CTC Mortgage in Georgia?

    Getting started is simple. You can apply online using our secure Apply Now form, or contact one of our Georgia loan officers directly. We’ll guide you through every step of the process — from pre-approval to closing — and help you explore your best options based on your location, goals, and financial profile.

Georgia Branch Address

549 Stratford Green

Avondale Estates, GA 30002


Loan Officer Contact

Lauren Olfson

Loan Officer | NMLS# 2146628

CTC Mortgage Company, LLC | NMLS# 371182

Direct: 561-323-7538


Email: info@ctcmortgage.com


Hours: Monday–Friday, 9:00 a.m.–5:00 p.m.

(Closed weekends)

Phone and envelope icons. Contact information.

Get in touch with our Georgia mortgage team

CTC Mortgage is proud to provide local lending support with a personal touch. If you’re ready to buy, build, or refinance in Georgia, reach out to us today for expert guidance and customized loan options.