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Georgia Dream Overview

Georgia Dream Overview 1. What is the Georgia Dream Homeownership Program? The Georgia Dream program was created to make homeownership possible for eligible low- and moderate-income Georgians by providing affordable financing options, down payment assistance, and homebuyer education. 2. How does the Georgia Dream Homeownership Program work? The Georgia Department of Community Affairs (DCA) acts as the secondary market for lenders who want to provide an affordable mortgage product to low- and moderate-income Georgians. Potential home buyers apply with participating lenders for Georgia Dream loans. The loans are secured or guaranteed by FHA, VA, USDA-RD or conventional uninsured loans. Once the lender has completed the process and gives credit approval, the information is forwarded to DCA for compliance review and funding approval. Georgia Dream rates are available from your participating lender. 3. Who is an eligible applicant?

The maximum income varies by county and by the size of your household. See page 2 of the . ... at the time of closing. Gifts of substantial amounts are considered liquid assets. Stocks and other readily salable securities are considered liquid ... For questions regarding your mortgage payment, please contact State Home Mortgage at 1-800-781 ...

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