10 Best Georgia Dream Mortgage Lenders of 2022
The Georgia Dream program helps you purchase a home with affordable rates and down payment assistance. See our top picks for Georgia Dream lenders.
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The Georgia Department of Community Affairs makes homeownership possible for those with low or moderate incomes through its Georgia Dream program.
To apply for a Georgia Dream loan or down payment assistance program, you’ll need to work with a participating lender. But how do you know which one is right for you?
NerdWallet reviewed many of the Georgia Dream program participating lenders, identifying the best ones for a variety of borrower needs. Start your search by comparing the lenders below.
The Georgia Department of Community Affairs makes homeownership possible for those with low or moderate incomes through its Georgia Dream program.
To apply for a Georgia Dream loan or down payment assistance program, you’ll need to work with a participating lender. But how do you know which one is right for you?
NerdWallet reviewed many of the Georgia Dream program participating lenders, identifying the best ones for a variety of borrower needs. Start your search by comparing the lenders below.
Best Georgia Dream Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for non-bank | 620 | 3% | Learn more at New American Funding |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for fixer-uppers | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() Alterra: NMLS#133739 | Best for online experience | 620 | 3% | Read review |
![]() loanDepot: NMLS#174457 | Best for online experience | 620 | 5% | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for FHA loan | N/A | 3.5% | Read review |
![]() Homebridge: NMLS#6521 | Best for FHA loan | N/A | 3.5% | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for in-person service | 620 | 3% | Read review |
![]() SunTrust (Truist): NMLS#2915 | Best for in-person service | 620 | 3% | Read review |
![]() PrimeLending: NMLS#13649 | Best for fixer-uppers | 620 | 3% | Read review |
![]() Churchill: NMLS#1591 | Best for non-bank | 620 | 3% | Read review |

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Alterra: NMLS#133739

Min. credit score
620Min. down payment
3%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Guild Mortgage: NMLS#3274

Min. credit score
N/AMin. down payment
3.5%Homebridge: NMLS#6521

Min. credit score
N/AMin. down payment
3.5%BB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%Churchill: NMLS#1591

Min. credit score
620Min. down payment
3%Last updated on January 6, 2022
Methodology
To recap our selections...
NerdWallet's Best Georgia Dream Mortgage Lenders of 2022
- New American Funding: Best for non-bank
- Fairway Independent Mortgage: Best for fixer-uppers
- Alterra: Best for online experience
- loanDepot: Best for online experience
- Guild Mortgage: Best for FHA loan
- Homebridge: Best for FHA loan
- BB&T (Truist): Best for in-person service
- SunTrust (Truist): Best for in-person service
- PrimeLending: Best for fixer-uppers
- Churchill: Best for non-bank