State Home Mortgage

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To our valued State Home Mortgage customers

State Home Mortgage offices will be closed to the public as a precautionary measure to prevent the spread of COVID-19 (Coronavirus) and to maintain the safety of our customers, employees and our community at large.

If you are having a hardship that may qualify for specific consideration to review your loan, and need to speak to a State Home Mortgage representative, please contact our office at 1-800-781-8346. Someone will gladly assist you. In response to COVID-19 our offices are minimally staffed and your call will be returned as soon as possible.

If you need to make a payment, please consider using State Home Mortgage’s self-service payment options for an easier and faster method of payment.


Option 1 - Our Customer Care Net option which can be accessed via

Option 2 - utilizing our telephone payment option by dialing 1-800-781-8346 and pressing option #1.

Option 3 - Western Union - You may submit payments in a store or on-line using Western Union Quick Collect. Code City: SHM and Code State: GA. Fees for Western Union will apply. Payments received by 3:00 pm will be posted the same day

Option 4 - Drop off your check or money order in our Drop Box located at:

60 Executive Park South, N.E.

Atlanta, GA 30329-2231

Located to the left of the front entrance. (Checks and money orders only)

All of these options can be utilized for expedited and stress-free payment processing.


State Home Mortgage is the servicing operation for the Georgia Dream Homeownership Program. You can access your loan information here and make your monthly payment online today!


Please send payments, inquiries and written correspondence to:
State Home Mortgage
60 Executive Park South, NE 
Atlanta, GA 30329-2231
Phone: 1-800-781-8346

You can also drop off your payment via check or money order in our drop box located just outside our office by our main parking deck.

Note: Effective June 1, 2017 the fee is $5 for a One-Time Draft transaction if you speak to a live representative

State Home Mortgage Month-End

Cut-Offs 2020

  • Friday, January 31st
  • Friday, February 28th
  • Tuesday, March 31st
  • Thursday, April 30
  • Friday, May 29th
  • Tuesday, June 30th
  • Friday, July 31st
  • Monday, August 31st
  • Wednesday, September 30th
  • Friday, October 30th
  • Monday, November 30th
  • Thursday, December 31st

Note: Please have your payment in the State Home Mortgage Office by 3 pm on the month-end cut-off date to ensure adequate posting time.



  • Our phone system is back up and working once again! We are sorry for any inconvenience that this outage may have caused. Thank you.

  • Our phones are currently down. We are working to restore service as soon as possible. We are sorry for any inconvenience that this may cause. Thank You.

Frequently Asked Questions

Q: Can I have my mortgage payment deducted automatically from my checking or savings account each month?

A: You do have the option of enrolling in an automatic mortgage payment program. You may be asked to provide an authorization form with a voided check or savings account slip attached to set up the draft. The payment is typically debited on the 1st or 10th of the month. You can fax a written request along with voided check to 404-679-4837. A confirmation will be mailed prior to draft date.

Q: Can I make a mortgage payment online?

A: Yes, you can make a payment and manage your mortgage account online, anytime. Gain instant access to your mortgage account details, loan history, tax and interest data, contact information updater, and more. It's fast, it's simple, and it's FREE!

Q: How long do I have to pay for private mortgage insurance (PMI) on my loan?

Cancellation requires that you have a good payment history, the property value has not decreased, and you can certify that there are no liens against your property.

Lenders are required (by the Homeowner's Protection Act of 1998) to terminate PMI at 78% LTV (based on the amortization schedule) if the loan is current or has reached the midpoint of the payoff.

Q: If my insurance or taxes are lower or higher do you automatically analyze my account to adjust the payment?

A: The account is analyzed annually on the anniversary of your loan. By special request you can have an analysis completed for a fee if on a date other than the anniversary date.

Q: What is forced placed insurance?

A: When an insurance renewal billing is not received by the expiration date or the current insurance carrier is not renewing the policy, State Home Mortgage covers the property with a forced placed insurance. This is lender placed and provides coverage only for the structure and not the contents on the property. This coverage is expensive and homeowners are notified when this is placed. You are encouraged to find coverage with an insurance agent of your choosing.

Q: What is the difference between private mortgage insurance and homeowners insurance?

A: A homeowners insurance (or hazard insurance) policy covers damages to your home, your belongings and accidents as outlined in your policy.

Q: Who do I contact if I am having trouble paying my mortgage?

A: We can help you understand your options if you are facing payment challenges. Call 800-781-8346, Option# 3 then Option# 1.

Q: Why is the tax bill sent to my home when I have an escrow account?

A: The county tax office is unaware which lender is associated with each property. State Home Mortgage has a vendor Core-Logic who provides us with a bill for each homeowner. It is not required that you send us the bill you receive unless it is a supplemental bill due to an appeal or you receive a delinquent bill.