OnlyWay Mortgage · First-time buyer loans
First-Time Home Buyer Loans in Georgia
Buying your first home is a big step, and the loan does not have to be the confusing part. We compare the options you qualify for, check whether down payment help is available, and show you the real monthly cost before you commit.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if first-time buyer loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Renters ready to buy
- Buyers with a modest down payment
- Veterans and service members
- Buyers looking outside the city
How we work
The approach.
- 01Conventional loans
- 02FHA loans
- 03VA loans for eligible veterans and service members
- 04USDA loans for eligible rural areas
- 05Georgia Dream down payment assistance
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
What is Georgia Dream?
Georgia Dream is a homeownership program run by the Georgia Department of Community Affairs (DCA). It offers mortgages and down payment assistance to eligible buyers, with income and home-price limits that DCA updates regularly. We will check the current limits for you.
Do I have to be a first-time buyer for Georgia Dream?
The main Georgia Dream loan is for first-time buyers, but DCA also offers options open to repeat buyers and veterans. Eligibility rules apply to each.
Which loan is best for me?
It depends on your credit, savings, income and the home. We lay the options side by side, with the monthly payment for each, so you can choose with confidence.
Residential mortgage services are offered in Georgia only.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Equal Housing Lender. Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.