Atlanta’s #1 First Time Home Buyer loan lender. Helping borrowers in Atlanta qualify for the best First Time Home Buyer loan to meet their borrowing requirements.  First Time Home Buyer loan programs in Atlanta are backed by the Federal Housing Administration (FHA). These popular first time homebuyer loans require lower minimum credit scores and down payments to make it easier to qualify.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077. Prequalify now to see how much of Loan you can qualify for. 

first time home buyer

First Time Home Buyer Programs Atlanta has a number of First time home buyer loan programs from simple W2 employees to full 2 year tax returns, self employed loans, non QM loans or statement loans for self employed that require a slightly higher down payment. Contact us today to craft the loan that best fits your needs. Some qualifications below.

FHA First Time Home Buyer and HomeReady Program Terms

  • A credit score of at least 580 for a 3% down home loan
  • A credit score of 500 to 579 for a 10% down payment
  • FHA loan with 3.5% down payment requirement
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3% down Home Loan in Georgia. Use this application to pre-qualify and start shopping for your new home today! Purchase, Refinance or Cash Out Refinance.

According to an announcement by the FHA the loan limit for 2022 In Atlanta will be $420,680 as well as for most of the country. The 2022 FHA loan limit for the high cost areas will be $970,800.

Benefits of Being A First Time Home Buyer In Atlanta

Atlanta Georgia is a southeastern U.S. state and the capital of the state of Georgia.  Tn the past two decades, Atlanta has been experiencing unprecedented growth.  The metro area has grown over 40% in the past decade.

With median home sales prices up over 18% from October 2020 to October 2021. Employment is booming and 50% of the households are currently renting rather than owning their own homes make Atlanta a great investment market.

Atlanta is a major transportation hub and a transient city making home rentals a good investment.

Key Population Statistics in Atlanta

* Atlanta is the 9th largest metro area in the country
* Dekalb, Gwinnet, Fulton and Cobb are among the most populated counties
* Over the next 30year Atlanta is expected to grow by just under $3million residence in the metro area. 
The per capita income in Atlanta is $37,331 and median household income just over $70,000.

Home values increased by more than 16% this year over last 2021.

  • The median listing price for Atlanta was $399,000 in 2021
  • Average days a home is on the market is 49.
  • Over the past 5yrs values in Atlanta have increased by 74%.
  • Median rent in Atlanta is $2,300 for a 3 bedroom as of 2021 and have increased 23% year over year.
With the increase in rental rates and population, Atlanta is a great place to invest in real estate. 

Quality Of Life Statistics For Atlanta

*Cost of living in Atlanta is 50% less than San Francisco
* Forbes ranked Atlanta as one of the best places for business and careers in the US.
*Atlanta has received a grade A from for both nightlife and public schools.
* A great place to live and to retire 
* Atlanta has many pro-sports teams including the Atlanta Braves, Hawks, Falcons and Major league Soccer.
* Atlanta is also home to all major performing arts, including theater, music venues, opera and ballet.





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