Is the Georgia Dream program for me? Who Also Home Buyer Counseling is required for all Georgia Dream loans. Georgia Dream borrowers must attend and complete EITHER a homebuyer education workshop, OR individual housing counseling sessions, OR an online home buyer education course through E-Home America. Georgia Dream loans* are available to: OR First-time homebuyers Have a household income up to the maximum Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater) Meet mortgage loan credit requirements Those who Homebuyers who have not owned purchase a a home** in the past three years OR home in certain areas *Loans are 30-year fixed interest rate mortgages. Participating lenders give credit approval for FHA, USDA-RD, VA or conventional eligible mortgage loans. **Home buyers who have not had interest or ownership in a primary residence in the last three years. • • A list of HUD-approved agencies is available at www.hud.gov or call HUD’s interative voice system at 1-800-569-4287. A list of DCA-certified housing counseling agencies is available at www.GADream.com. Online home buyer education may ONLY be completed at www.ehomeamerica.org Workshops and counseling sessions must be completed with a DCA or HUDapproved housing counseling agency. How Do I Get Started? Contact a Georgia Dream Participating Lender to pre-qualify and begin the mortgage loan process. Online: www.GADream.com By Phone: (404) 679-4840 In Person: Visit a participating lender here
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