So you’re looking at buying a house for the first time, now what? The search for your first home (and mortgage) can be scary, difficult, and downright complicated. Don’t worry! Northpoint Mortgage is here to help! Here is some basic info on some great first-time homebuyer programs available in the state of Georgia:


  • Minimum 3.5% Down Payment requirement
  • Credit Scores >600
  • Seller Contribution Limit: 6% of sales price towards closing costs


  • Minimum 3% Down Payment requirement
  • Fannie Mae HomeReady
  • Freddie Mac HomePossible
  • Freddie Mac HomePossible Advantage

FHA 3.5% Down


FNMA HomeReady


FHLMC Home Possible


FHLMC Home Possible Advantage


GA Dream + HHF


Contributed by Parsa Shokoohi, Loan Officer, at Northpoint Mortgage