Our First Time Home Buyer Program is designed with low down payment options and reduced closing costs to help eliminate or reduce some of the expenses that can come with buying a home.1

  • Great for first time home buyers or anyone who has not owned property in the last three years.
  • Low down payment (as low as 3% down).
  • No origination fees or points.
  • No first time buyer class required and no minimum income restrictions to qualify.
  • Pre-approval letter available upon request.

Ready to learn more or check rates? Our Mortgage and Home Buying Center will walk you through the mortgage process.

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First Time Home Buyer Grant

As a first time home buyer or community partner, you may be eligible for grant funds available through the Federal Home Loan Bank of Atlanta to assist with your down payment and closing costs.2

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“In the process of being first time homebuyers, we didn’t know what to expect, but everybody was so professional and friendly. Katie and the rest of the crew walked us through everything, and we were so grateful for that.”

– Keith C., AllSouth Member, 2024