Use free online mortgage calculators to figure out how much you can borrow. A full-time minimum wage gross income of $1,160/month, with little or no debt, may qualify you for a mortgage of at least $45,000. With homes selling for significantly less in this buyer’s market, visit popular real estate sites to see exactly how far $45,000 will take you in your area.
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pre-qualify and begin the mortgage loan process. Go to www.GADream.com to find a list of participating lenders, or call 1-800-359-home (4663). georgia dream borrowers must attend and complete EITHER a home buyer education workshop, OR individual housing counseling sessions, OR an online home buyer education course through E-Home America.
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The Down Payment Loan may only be used in conjunction with a Georgia Dream First Mortgage Loan. GA Dream sets the interest an closing fees for the first mortgage No Monthly Payments for the Down Payment assistance No Interest Loan must be repaid when home is sold or refinanced or no longer used as the borrowers personal residence GA Dream.
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