Home Mortgages Madison, GA

Looking to buy, build, or refinance a home in Madison, Georgia? At Capital City Home Loans, we provide a full range of personalized mortgage solutions designed to meet the needs of homeowners in this charming and historic community. Whether you’re purchasing your first home, relocating, or investing in property near Madison, our team is here to deliver expert guidance and competitive loan options that align with your goals.

With a strong local presence and a commitment to exceptional service, we make financing your home in Madison a smooth, stress-free experience.

Discover Life in Madison

Nestled in Morgan County, Madison is known for its historic homes, beautiful downtown, and Southern hospitality. Often named one of Georgia’s most picturesque small towns, Madison offers a unique blend of architectural beauty, walkability, and quality of life.

From restored antebellum homes and modern new builds to acreage properties and country estates, Madison attracts families, retirees, and professionals alike. Its strong school systems, cultural offerings, and proximity to I-20 make it an ideal location for homeownership in Georgia.

Our Mortgage Programs

Capital City Home Loans offers a wide selection of loan products to serve the diverse needs of Madison-area homebuyers and homeowners:

Conventional Loans
A great option for borrowers with solid credit and income. Offers flexible terms and low down payment options.
FHA Loans
Designed for first-time buyers or those with moderate credit. Requires just 3.5% down and offers more flexible qualifying standards.
VA Loans
No down payment and no private mortgage insurance for eligible veterans, active-duty service members, and qualifying spouses.
Jumbo Loans
Ideal for higher-value properties or custom builds that exceed standard conforming loan limits.
Construction-to-Permanent Loans
A convenient solution for clients building a new home. One loan, one closing—from groundbreaking to move-in.
Portfolio and Non-QM Loans
Flexible loan options for self-employed borrowers, business owners, or those with non-traditional income sources.

Whether you’re buying a historic home in downtown Madison, building on land outside the city, or refinancing your current mortgage, we’ll help you choose the right loan to match your needs and budget.

Why Choose Capital City Home Loans?

When you work with Capital City Home Loans, you’re partnering with a lender who understands the local market. Our mortgage professionals bring deep knowledge of the Madison real estate landscape and a genuine commitment to customer satisfaction.

What sets us apart:

Fast, local decision-making
Wide range of mortgage products
Competitive interest rates and flexible terms
Personalized support from application to closing
Experience working with historic and rural properties

We take the time to listen, educate, and guide you through the mortgage process so you feel confident and informed every step of the way.

Serving Madison from Our Lake Oconee Office

Our Lake Oconee Office, located just a short drive from Madison, proudly serves Morgan County and surrounding areas with convenient access and local support.

Lake Oconee Office
1020 Parkside Commons | Suite 102, Office 101‑G
Greensboro, GA 30642
Phone: 706‑225‑8554

Whether you’re moving to Madison for its charm, schools, or proximity to Lake Oconee and Athens, our team is here to help make your home financing experience simple and rewarding.

Let’s Get Started

If you’re planning to buy, build, or refinance in Madison, GA, let Capital City Home Loans be your trusted mortgage partner. With local expertise and a full suite of loan programs, we’re here to help you secure the right loan and the right home.

Contact us today to get pre-qualified and take the first step toward homeownership in Madison, Georgia.