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Best Georgia Dream Mortgage Lenders of 2019

Oct. 16, 2018
Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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.

» MORE:  See Georgia Dream loan programs, lenders, rates and income limits

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.

4.0 NerdWallet rating
  • 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
4.5 NerdWallet rating
  • 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.

Guild Mortgage
4.0 NerdWallet rating
  • 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
3.5 NerdWallet rating
  • 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.

4.0 NerdWallet rating
  • 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
suntrust mortgage
4.0 NerdWallet rating
  • 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.

4.0 NerdWallet rating
  • 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
4.0 NerdWallet rating
  • 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.

churchill mortgage
3.5 NerdWallet rating
  • 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
4.5 NerdWallet rating
  • 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

PrimeLending: Renovations

Churchill Mortgage: Non-bank lender

New American Funding: Non-bank lender

More from NerdWallet:

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.