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All About Georgia First Time Home Buyer Grants And How To Obtain Them

By Troy Jackson

When it comes to finding out all about Georgia first time home buyer grants and loans, it can be somewhat confusing and overwhelming, especially when there are already so many things that first time buyers need to think about. However, knowing what types of grants are available and what other options that would-be home buyers might have can truly help with making things run more smoothly, as well as giving consumers more benefits.

Although checking to see what the state of Georgia has to offer in regards to grants, it’s always equally important to check up on any current Federal grants that you might be able to qualify for as well. However, one place that individuals can check within the state of Georgia is the Georgia Department of Community Affair, whom you can contact via their website, in person, or over the phone.

The Georgia Department of Community Affairs helps Georgia residents in a number of ways when it comes to new-home developments, home ownership and housing choices. Where housing is concerned, they offer what is known as the Georgia Dream Homeownership Program, which offers assistance for those who have a low or moderate amount of income.

With the Dream Homeownership Program, those with moderately low income may qualify for a low-interest or fixed rate loans, whether if it’s a family or individual. However, in order to be approved, families or individuals must also fall into certain requirements when it comes to how much they wish to spend on their home, as well as there income.

While income is certainly a factor when trying to qualify for this kind of loan, the family or individual must also have decent amount of assets and credit rating, just as where most types of loans are consider. With that said, it’s always important to watch your budget and your overall credit in order to prevent future problems with qualify.

In order to apply for the Homeownership Program, you can visit their website online for further information. However, it is said that by attending a homeowner education course is one method, or by contacting a Program lender to pre-qualify and to begin the process, which can also be located on the DCA website or through calling.

Federal grants can be found through the US Department of House and Urban Development, which often lists any Federal-type grants that may be available throughout the United States. You can also speak with your real estate agent about any type of local or state grants that may be available, but might not be easy to find online.

Aside from credit and modest assets being needed for most grants and loans, it’s also important to think about the application process as well. Try to make sure that the application that you turn in for a grant is filled out properly, which you can find help for throughout many online resources. However, it’s a good rule of thumb to remember that there is a lot of competition out there; therefore, first impressions are key. By asking a trusted agent for information on all about Georgia first time home buyer grants, doing some research, and being prepared well in advance, you can increase your chances for success.

For a GA first time home buyer choosing a new place to live is a thrilling experience. Knowing that first time home buyer grants are available to assist in paying for it is even more exciting.

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Article Citation
MLA Style Citation:
Jackson, Troy "All About Georgia First Time Home Buyer Grants And How To Obtain Them." All About Georgia First Time Home Buyer Grants And How To Obtain Them. 24 Jun. 2010. 29 Dec 2014 <>.

APA Style Citation:
Jackson, T (2010, June 24). All About Georgia First Time Home Buyer Grants And How To Obtain Them. Retrieved December 29, 2014, from

Chicago Style Citation:
Jackson, Troy "All About Georgia First Time Home Buyer Grants And How To Obtain Them"

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