Loan Programs

Not all mortgages are created equal. Find the loan type that fits your situation, credit, and goals.

FHA Loans

Low down payment, flexible credit. The most popular loan for first-time buyers.

3.5% Down 580+ Credit Gift Funds OK

VA Loans

The best mortgage benefit for veterans. Zero down, no PMI, unbeatable terms.

$0 Down No PMI No Limit

USDA Loans

Zero down for rural and suburban areas. More locations qualify than you'd think.

$0 Down Low Fees Income Limits

Conventional

The standard mortgage. Best rates for good credit, PMI removable at 20% equity.

3-20% Down 620+ Credit All Properties

Georgia State Program

Georgia Dream

Up to $12,500 in down payment assistance for first-time Georgia homebuyers. Zero interest, no monthly payments.

$7,500 Standard $12,500 for PEN* 0% Interest

*Protectors, Educators, Nurses, Military

Quick Comparison

Feature	FHA	VA	USDA	Conv.
Min Down	3.5%	0%	0%	3%
Min Credit	580	620	640	620
PMI/MIP	Life of loan	None	0.35%/yr	Until 20%
Loan Limit	$472K	None	$766K	$766K
Income Limit	No	No	Yes	No
Best For	Low credit buyers	Veterans/Military	Rural/Suburban	Good credit, 20% down

Not Sure Which Loan is Right?

Tell us about your situation and we'll point you in the right direction.