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 for an online experience
These lenders offer user-friendly websites that make it easy to apply for a mortgage without leaving your home.
- Online loan tracking, document upload and e-signature.
- Mobile app streamlines communication among lender, borrower and real estate agent.
- Offers a Spanish-language version of its website.
- Alterra Home Loans review
- Online mortgage application that results in personalized loan offers.
- Offers an online library of educational info about mortgages and homebuying.
- Website compares general interest rates to other lenders.
- loanDepot review
Best Georgia Dream mortgage lenders for an FHA loan
These lenders originate many Federal Housing Administration loans each year, so they’re well-equipped to help you navigate the process.
- Specializes in funding first-time home buyers.
- Considers alternative credit data, such as utility bill payments.
- Offers a paperless loan application and digital loan tracking.
- Guild Mortgage review
- Government loans account for around 50% of Homebridge’s business.
- Offers three FHA loans for home upgrades and repairs.
- Prioritizes a high level of customer service and satisfaction.
- Homebridge Financial Services review
Best Georgia Dream mortgage lenders for in-person service
These lenders offer plentiful branch locations throughout Georgia, so you can speak to a loan officer face to face.
- Services most mortgages it originates, so your ongoing needs can be handled in-house.
- Considers alternative credit history on certain loans.
- You must create an account to apply online.
- BB&T review
- Provides a variety of customer service options.
- Doesn’t consider alternative credit history.
- Offers a full Spanish-language version of its website.
- SunTrust Mortgage review
Best Georgia Dream mortgage lenders for fixer-uppers
These lenders can help you roll future repair and improvement costs into your mortgage.
- Multiple renovation loan options.
- Apply for a loan in minutes with the FairwayNow mobile app.
- Many branch offices in Georgia, especially in the Atlanta metro area.
- Fairway Independent Mortgage review
- Multiple renovation loan options.
- Offers an in-house closing cost assistance program.
- Limited branch offices in Georgia.
- PrimeLending review
Best non-bank Georgia Dream lenders
Non-bank lenders sometimes offer a more streamlined mortgage experience than traditional banks, especially for credit-challenged borrowers.
- No minimum or maximum loan amounts.
- Uses alternative data for borrowers without a traditional credit history.
- Must create an account to start application online.
- Churchill Mortgage review
- Uses manual underwriting to evaluate creditworthiness.
- Apply in person, by phone, online or via email.
- No personalized mortgage rates available on its website.
- New American Funding review
Best Georgia Dream mortgage lenders: summary
Alterra Home Loans: Online experience
loanDepot: Online experience
Guild Mortgage: FHA loan
Homebridge Financial Services: FHA loan
BB&T: In-person service
SunTrust Mortgage: In-person service
Fairway Independent Mortgage: Renovations
Churchill Mortgage: Non-bank lender
New American Funding: Non-bank lender
More from NerdWallet: