12 Best Georgia Dream Mortgage Lenders of 2024

The Georgia Dream program helps you purchase a home with affordable rates and down payment assistance. See our top picks for Georgia Dream lenders.

Last updated on February 21, 2024

Written by

Abby Badach Doyle

Lead Writer & Content Strategist

Edited by

Johanna Arnone

Managing Editor

Fact Checked

Written by

Abby Badach Doyle

Lead Writer & Content Strategist

Edited by

Johanna Arnone

Managing Editor

Fact Checked

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.

The Georgia Department of Community Affairs makes homeownership possible for those with low or moderate incomes through its Georgia Dream program.

To apply for a Georgia Dream loan or down payment assistance program, you’ll need to work with a participating lender. Conventional and government-backed loans are available.

NerdWallet reviewed more than 50 lenders and identified banks and mortgage companies that participate in Georgia Dream loan programs. When you reach out to a lender, ask for a loan officer who is familiar with the Georgia Dream offerings.

Start your search by comparing the lenders below.

» MORE: See Georgia Dream loan programs

Why trust NerdWallet

50+ mortgage lenders reviewed and rated by our team of experts.
40+ years of combined experience covering mortgages and financial topics.
Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

Why trust NerdWallet

50+ mortgage lenders reviewed and rated by our team of experts.
40+ years of combined experience covering mortgages and financial topics.
Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

12 Best Georgia Dream Mortgage Lenders of 2024

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Lender ▾ ▾	NerdWallet Rating ▾ ▾	Min. credit score ▾ ▾	Min. down payment ▾ ▾	Learn more
New American Funding: NMLS#6606 Top 3 most visited 🏆 Learn more at New American Funding at New American Funding	4.5 /5 Home loans overall Best for mobile app functionality	580	N/A	Top 3 most visited 🏆 Learn more at New American Funding at New American Funding
Truist: NMLS#399803 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for first-time home buyers	620	3%	Compare More Lenders on NerdWallet
loanDepot: NMLS#174457 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for variety of loan types	620	3%	Compare More Lenders on NerdWallet
Guild Mortgage: NMLS#3274 Compare More Lenders on NerdWallet	4.5 /5 FHA loans Best for low credit score borrowers	540	3.5%	Compare More Lenders on NerdWallet
Churchill: NMLS#1591 Compare More Lenders on NerdWallet	3.5 /5 Home loans overall Best for borrowers with nontraditional credit histories	620	3%	Compare More Lenders on NerdWallet

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Last updated on February 21, 2024

Methodology

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the average interest rate and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team. Lenders listed on this page participate in the Georgia Dream program and earned at least three stars in NerdWallet's home loans overall star rating.

To recap our selections...

NerdWallet's Best Georgia Dream Mortgage Lenders of 2024

New American Funding: Best for mobile app functionality
Truist: Best for first-time home buyers
loanDepot: Best for variety of loan types
Guild Mortgage: Best for low credit score borrowers
Churchill: Best for borrowers with nontraditional credit histories
Fairway Independent Mortgage: Best for USDA loans
PrimeLending: Best for fixer-uppers
Caliber: Best for military borrowers
CrossCountry Mortgage: Best for high customer satisfaction
Rate: Best for overall mortgage experience
Movement Mortgage: Best for customer satisfaction
Alterra: Best for ease of application