Buying your first home is a big step, but you don't have to do it alone. We'll help you personalize your journey with tools and guidance made just for you.
Understand how to start this journey, customize your rates, and uncover the options best for you.
See how much house you can afford and estimate monthly mortgage payments with our calculator tools.
Home affordability calculator →Prequalify in about 10 minutes and gain real buying power. It's a soft pull that won't impact your credit.
See what I prequalify for →We'll match you to the right loan, the right grants, and the right rate — before you ever make an offer.
Get matched →
Plan for at least 3% down and 2–5% of the loan amount in closing costs. Larger down payments lower your rate and monthly payment.
Down payment calculatorA 620+ credit score unlocks more mortgage options. FHA goes as low as 580. We'll tell you exactly where you stand — before any hard pull.
Learn about credit →Keep your debt-to-income ratio at 43% or less for better mortgage approval odds. We'll calculate yours in seconds.
Home affordability calculatorWholesale rates — typically lower than what banks show publicly.
Use our mortgage payment calculator to better understand your home affordability before you ever talk to a lender.
Every situation is different. Here are the loan types that work best for first-time buyers.
As low as 3.5% down and 580 credit score. The most accessible path to homeownership for first-time buyers.
As low as 3% down with 620+ credit. Lower long-term costs than FHA if you qualify — and PMI drops when you hit 20% equity.
$0 down, no PMI, and the best rates on the market. For veterans and active-duty service members who qualify.
Higher monthly payment, but build equity faster and pay significantly less interest over the life of the loan.
Programs like FHLB Atlanta SET, Georgia Dream, and Bank of America Community Homeownership put up to $17,500 toward your down payment or closing costs.
Help with down payments or closing costs to buy with less stress. Most buyers who qualify never apply — we make sure you don't miss out.
Georgia has some of the strongest first-time buyer programs in the Southeast. We know every one and check eligibility for all of them.
Teachers, first responders, healthcare workers, and public servants often qualify for special discounts and closing cost credits.
Real answers — not boilerplate.
Everything you need to do before, during, and after your first purchase — in the right order.
FHA, conventional, VA — what each one means, who it's for, and which saves you the most.
Why most first-time buyers choose fixed rates — and when an ARM might actually make more sense.
I was a single mom told by two other lenders I wasn't ready. Julie found $10,500 in grant money I didn't know existed and we closed in 28 days. I still can't believe this is my house.
No pressure — just honest answers about what you qualify for.
If rates drop, so could your payment. We monitor the market and tell you when to act.
Wholesale pricing passed directly to you — better than any single bank can offer.
Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.