Downpayment Assistance Programs In The Atlanta Area



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If you are considering purchasing a home or refinancingyou can go to quickenloans.com or lendingtree.com along with local mortgage lenders in your areato determine what loan will best suit youand your family.  You can compare closing costs, APR's and Par rates to determine what loan will best serve yourand your family's long-term interests.


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Many consumers who are considering purchasing a home in today's economy  have found Home Buyer 411the Smart Guide to Buying Your Hometo be very helpful.



What Are The Down payment Assistance Programs That Are Available In The Atlanta Georgia Area?


Atlanta Neighborhood Development Partnership, Inc.--Quick synopsis--created to assist consumers in select Atlanta area Counties in purchasing their home

ANDP




Atlanta Development Authority---Quick Synopsis up to 40K in DP Assistance when using participating lenders



Atlanta Development Authority 


Atlanta IDA (Individual Development Account)-Non-profits



United Way Individual Development Account 


IDA's may not always accept applications as there program is based on funding. Plan your home buying well in advance if you plan on using this, or any down payment program as the process may be long and drawn out. 


Builder Programs



Check with the specific Builder (or have your agent do it) to see if they offer down payment assistance on any of their inventory of homes. 


Cobb Housing Authority



Cobb Housing Authority 


Housing Authority of Decatur



Decatur Housing Authority 


Dekalb Housing Program


Dekalb Housing 


HUD (Housing & Urban Development)



HUD offers a variety of home buyer incentives including  Low Down Payment FHA Loans
 


Invest Atlanta

Down Payment & Other Assistance for those who plan to move into the Atlanta City Limits


Gwinnett County Downpayment Assistance



Gwinnett County Downpayment Assistance 


NehemiaH and others ---NACA---Habitat for Humanity Etc.



NehemiaH Program 


Neighborhood Assistance Corporation of America (NACA) 


Atlanta Habitat For Humanity 


For non-profit programs it is also wise to check with each city and county that you are considering as many non-profits have unaffiliated offices.




Georgia Dream Homeownership Program


Georgia Dream Homeownership Program 


The Georgia Dream Homeownership Program offers Down Payment assistance in the form of grants. There are income limitations that apply. There also are targeted programs for Police, Educators, and Nurses.


The program is administered through the Department of Community Affairs (DCA) and you must utilize a participating lender in order to qualify. In many cases you can combine the Georgia Dream Down Payment Assistance with that of local and other downpayment programs to really maximize your downpayment assistance.


You also must not have owned a home in the past three years (if married and applying neither spouse could have owned a home in the past three years). Other qualifying criteria may also apply. 




Learn About NACA versus Georgia Dream--To Determine Which Assistance Plan You Should  Choose? 



Even though you plan on purchasing your home using down-payment assistance it is still imperative that you know your credit situation upfront.




You should also have a six month emergency fund in place and/or have other compensating factors at work (i.e. a low housing and debt ratio, other household income that is not included in the formal application, future inheritance/settlement, expected bonus/pay raise not included in calculation of mortgage etc.).


The above down payment assistance links are not exhaustive, however they should give you a relevant starting point if you are considering down payment assistance in the purchase of your Atlanta area home.


Use the above links as a guide onlyas your real estate agent may be able to give you more current and accurate dataas many of the down payment programs change frequently over time.



Do You Know Your Credit Position?



You can go to the link(s) below to receive one free credit report per year from all three credit (Equifax, Experian, and TransUnion) bureaus. Make sure you agree to all of their terms and conditions. 


FREE CREDIT REPORT




Free Annual Credit Report 


Quizzle.com (Free Credit Report) 


Credit.com (Free Credit Report) 


CREDIT SCORES




To learn more about credit reports and credit scores click here... 


To obtain additional credit and credit score information that can help you and your family click here... 


Did you know that most lenders use credit scores from the three major credit bureaus (Exquifax, Experian, and TransUnion) when deciding whether or not to approve your mortgage loan.


To receive your credit scores for free or a nominal fee log on to the sites below and make sure you agree to their terms and conditions:


Also realize that the scores you receive from these sites may not be the same as those that will be used by your mortgage company but they should give you a relevant number that you can utilize to help you make a better informed home purchase decision prior to meeting with a loan officer and/or real estate agent. 




MyFICO Credit Score 


CreditKarma (Free Credit Score) 


Quizzle.com (Free Credit Score) 



In addition to the above tips, many consumers who are considering purchasing a home in today's economy  have found Home Buyer 411the Smart Guide to Buying Your Hometo be very helpful.



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About This Article:

 

The above article was written by Thomas (TJ) Underwood.   Thomas (TJ) Underwood is an active real estate broker in the state of Georgia and is the writer behind The Wealth Increaser, Home Buyer 411,  Home Seller 411, The 3 Step Structured Approach to Managing Your Finances, Managing & Improving Your Credit & Finances for this MILLENNIUM and CREDIT & FINANCE IMPROVEMENT MADE EASY—FREE GUIDE. 

He is the creator of TheWealthIncreaser.com where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner.  He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. 

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page. 

You can also get other highly relevant tips on "living your life more abundantly" and possibly earn revenue at the same time by linking to TheWealthIncreaser.com.




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Thomas (TJ) Underwood has been providing financial advice as a tax practitioner since the mid 1980’s and began his financial planning career (while earning a Bachelor of Science Degree in Business Administration/Finance/Marketing), in Detroit at Wayne State University.  From 2010 up to the present he continues to provide visitors timely personal finance and wealth building advice and articles—including real estate advice—on 3 sites that he has created since 2010. 

Even though he is an active real estate Broker in the Atlanta Metropolitan area, he continues to blog consistently to help visitors and those who desire lasting financial and life changing success the opportunity to change their life for the better in a more efficient way. 

You can learn more about him and gain access to all three sites that he has created by going to Who is the creator of TheWealthIncreaser.com page.







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