Georgia combines a non-judicial foreclosure process with a state tax tied to the note itself. The Attorney General's office describes foreclosure without a court filing and written notice at least 30 days before the sale, and the security deed is the instrument that must be cancelled within 60 days of payoff. The Department of Revenue lists an intangible recording tax of $1.50 for each $500 of the note, with a $25,000 maximum on a single note. Georgia's emergency agency also notes hurricane exposure along the coast.
World's Fair Capital makes business purpose loans to real estate investors in Georgia: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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How a Georgia loan works with us
- 1Start your application
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- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about Georgia
Non-judicial foreclosure
The Georgia Attorney General's office describes Georgia as a non-judicial foreclosure state, citing O.C.G.A. 44-14-162 through 44-14-162.4.
Source: Georgia Department of Law, checked 2026-10-11
30 days written notice before a sale
The same state page says notice must be sent at least 30 days before the proposed foreclosure sale.
Source: Georgia Department of Law, checked 2026-10-11
Security deed cancellation
Georgia uses the security deed. The Department of Banking and Finance cites O.C.G.A. 44-14-3 on cancelling a security deed within 60 days of full payment.
Source: Georgia Department of Banking and Finance, checked 2026-10-11
Intangible recording tax rate
Georgia's Department of Revenue states the intangible recording tax on a note secured by real estate is $1.50 for each $500 of face amount or fraction.
Source: Georgia Department of Revenue, checked 2026-10-11
Intangible recording tax cap
The same Department of Revenue page states a $25,000 maximum on any single note.
Source: Georgia Department of Revenue, checked 2026-10-11
Coastal hurricane exposure
Georgia's emergency management agency states that, as a coastal state, Georgia is at risk for hurricanes.
Source: Georgia Emergency Management and Homeland Security Agency, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in Georgia?
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Questions on a Georgia deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Georgia investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Georgia?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.