Georgia First Time Homebuyer Programs

Expert guidance for first-time homebuyers in all of Georgia from a local mortgage company that understands the market and needs of every Georgia resident. 

Purchase your first home with as low as 3% down and see if you qualify for grants or down payment assistance programs. 

Share some quick details and we’ll schedule a free consultation call where we’ll show you the different options available for you. 

Begin your home buying journey with the right loan

Many options to choose from for every budget and situation
seller concessions

HomeReady & HomePossible Mortgage

Down payment as low as 3%. Eligible borrowers may get up to $2,000 in closing costs paid by us when you qualify.

why get an adjustable rate mortgage

Federal Housing Administration (FHA) Loan

Qualify with a minimium 3.5% down payment and 580 credit score. Eligible customers may qualify for up $2,000 in closing costs towards their new home

How to get a VA loan in Georgia.

Veteran's Affairs (VA) Loan

For those who have proudly served our country. Qualify with $0 down payment and flexible credit scores. We cover your appraisal fees and receive up to $1,500 towards your new home​

how to calculate home equity, what is home equity

Grants and Down Payment Assistance

Eligible buyers in Georgia may qualify for grants up to 2% of the purchase price for their down payment or closing costs. DPA programs up to 5%.

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What Our Clients Say About Us

5/5

65+ ratings

Rebekah Apostol
Rebekah Apostol
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We loved working with Marcos and his team! They are all very friendly, on top of details, and a pleasure to work with. We are first time home buyers, and Marcos took his time to educate us on the steps we needed to take to improve our credit and financial situation in order to be well prepared to buy a home. Once we were ready, he educated us in the home buying process, and made everything very easy. His rates were also much lower than others we saw. We would recommend his services to anyone looking for a lender! Our very experienced realtor was even very impressed with how smooth and quick the process was with Andes Mortgage!
Zyska Walters
Zyska Walters
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Let’s just say Andes Mortgage as our broker was the best decision we made. We worked with Marcos who explained the process very well and was available when we had questions. Our realtor was the one to refer him to us. They definitely work fast and we closed within two and a half week of going under contract. His entire team was great and communicated well. We will definitely work with them in the future.
Nicole Falco
Nicole Falco
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Being first time home buyers and going through the process first time, it was quite overwhelming beginning the process…. Until our paths crossed with Marcos! He was kind, professional, honest, friendly, welcoming, and made the entire process seamless and smooth for us! Not to mention, he earned our trust right off the bat!! It’s refreshing to be in the hands of someone who actually has our best interest at heart and puts his clients first. We’re forever grateful for Marcos and will continue to recommend him to any and ALL of our friends and family who are looking to apply for home mortgages!!!!
Adrian Garcia
Adrian Garcia
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Working with Marcos has been such a good experience. He helped me a lot during my initial purchase and also now during my refinancing process. He always keep you informed either by phone, mail or text. If you are looking to buy a house or refinance, he is definitely the option!
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