Buy a home in Georgia with little to zero out of pocket — even with a 580 credit score
As a licensed REALTOR and Mortgage Loan Officer through NEXA Mortgage, I help Georgia families find the right home AND the right financing — in one conversation. I specialize in Down Payment Assistance programs that make homeownership possible when you thought it wasn't.
🏠 EMPOWERED DPA Completely forgivable grant — no second lien required 580+ FICO minimum Doublewides on permanent foundations accepted Primary residence only
- 580+ FICO minimum
- Doublewides on permanent foundations accepted
- Primary residence only
🏠 GOLD STAR FHA DPA
- 600+ FICO minimum
- 3.5% grant toward down payment
- Doublewides accepted
🏠 BOOST DPA
- 580+ FICO minimum
- Doublewides accepted
- No first time buyer requirement
🏠 AURORA DPA
- 600+ FICO minimum
- Doublewides accepted
- Competitive grant amounts
🏠 USDA Rural Development
- 0% down payment
- Eligible rural Georgia properties
- Income limits apply
🏠 Georgia Dream Homeownership Program
- State sponsored assistance
- First time buyers and qualified repeat buyers
- Income and purchase price limits apply
ELIGIBILITY CHECKLIST:
You may qualify if:
- ✅ Credit score is 580 or above
- ✅ Property is your primary residence
- ✅ You have not owned a home in the last 3 years (some programs)
- ✅ Income is within program guidelines
- ✅ Property is in an eligible area
Don't meet all criteria? Call anyway — there are almost always options.
FAQ SECTION:
Q: Can I use DPA for a mobile or manufactured home?
A: Yes — several programs including EMPOWERED, BOOST, AURORA and GOLD STAR FHA accept doublewides on permanent foundations.
Q: Do I have to be a first time buyer?
A: Not for most programs. BOOST, EMPOWERED, AURORA and GOLD STAR do not require first time buyer status.
Q: Is the down payment assistance forgivable?
A: Yes — the EMPOWERED DPA program is completely forgivable with no second lien required.
Q: What is the minimum credit score?
A: Programs start as low as 580 FICO.
Q: Can self employed borrowers qualify?
A: Yes — with bank statements or 1099 documentation.
Q: How long does the process take?
A: Typically 30-45 days from application to closing.
ABOUT TAMERA:
I'm Tamera Shearon — U.S. veteran, retired firefighter, licensed REALTOR and Mortgage Loan Officer with NEXA Mortgage through Peachtree Battle Realty. I specialize in down payment assistance because I believe every Georgia family deserves a path to homeownership — regardless of savings or credit history. When you work with me one conversation covers both your home search and your financing.