FHA Mortgages

FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal:

  • Low down payments

  • Low closing costs

  • Easy credit qualifying


If you are buying your first home, FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Click here for more information.


VA Loan Programs

A long term, low or no down payment loan guaranteed by the Department of Veterans Affairs. Restricted to individuals qualified by military service or other entitlements. Click here for more information.

U.S. Department of Agriculture Rural Development Housing & Community Facilities Program

This program provides a variety of financing for low- and very-low income buyers in rural areas. If you are a farmer or live in a rural area, ask mortgage lenders if you may qualify. The Rural Housing Service (RHS) provides a number of home-ownership opportunities to rural Americans. Click here for more information.

Georgia Dream Homeownership Program (Financial Assistance for Homebuyers in Georgia)

Georgia's Department of Community Affairs helps residents in particular counties finance their new homes through the Georgia Dream Homeownership Program. Along with first mortgage loans and homebuyer education, the program helps homebuyers afford decent housing by providing them with down payment assistance. Click here for more information.


Homestretch Down Payment Assistance Program (Financial Assistance for Homebuyers in Georgia)

In an effort to help individuals achieve their dreams of homeownership, the Gwinnett County Government started the Homestretch Down Payment Assistance Program, which helps to reduce out-of-pocket costs for qualifying applicants. 

Click here for more information.

American Dream Down-payment Assistance Initiative (ADDI)

The American Dream Down-payment Assistance Initiative authorizes up to $200 million annually around the country for down-payment assistance. To be eligible for ADDI assistance, individuals must be first-time home buyers interested in purchasing single family housing. A first-time home buyer is defined as an individual and his or her spouse who have not owned a home during the three-year period prior to the purchase of a home with ADDI assistance. Click here for more information.


More programs may become available in the future. Contact us today for more information.

Programs for First Time Home Buyers 

There are are many programs available to help the first-time home buyer

including programs that offer down payment assistance. 

Here are a few:

Georgia Dream Home-ownership Plan

Home Stretch Downpayment Assitant

American Dream Downpayment Assistant