Pine State Mortgage is a family-owned and operated mortgage company and a Georgia-licensed direct mortgage lender. Processing, underwriting, closing and funding are done in-house, and the company is a member of the Mortgage Bankers Association of Georgia and the Mortgage Brokers Association of Georgia. Pine State was chartered in 1958 and is locally owned. It offers a variety of loan programs, such as fixed- and adjustable-rate, balloon, Federal Housing Administration and Veterans Administration loans. Pine State also offers many other loan programs including programs designed for first-time homebuyers to various portfolio programs for unique circumstances. It additionally provides online loan applications and calculators. Pine State Mortgage is located in Atlanta.