First-Time Homebuyer Programs - Your Path to Homeownership

Buying your first home in Georgia is an exciting milestone, and Northstar Mortgage is here to make it achievable. Since 1998, we've helped thousands of first-time buyers in Alpharetta, Atlanta, and Cumming purchase their dream homes with little money down.

First-Time Homebuyer Options in Georgia

• FHA Loans: As little as 3.5% down
• Conventional 97: 3% down payment options
• Georgia Down Payment Assistance FHA
• USDA Loans: 100% financing for rural areas

How Much Down Payment Do You Need?

One of the biggest misconceptions is that you need 20% down. Here's the reality:

• FHA Loan: 3.5% down
• Conventional 97: 3% down
• VA Loan: 0% down (if eligible)
• USDA Loan: 0% down (if in eligible area)

First-Time Homebuyer Resources

At Northstar Mortgage, we guide you through every step:

1. Pre-Approval: Know exactly how much home you can afford
2. Loan Options: Find the right program for your situation
3. Free Credit Coaching: Improve your score before applying
4. Closing Guidance: What to expect from contract to closing

Georgia First-Time Homebuyer Tips

• Check your credit score early
• Save for closing costs (2-5% of loan amount)
• Don't open new credit accounts before buying
• Get pre-approved before house hunting
• Work with a local lender who knows Georgia programs

Contact Northstar Mortgage

Call (770) 995-8078 to speak with a first-time homeownership
specialist in Alpharetta.