Buying your first home? Peach State is here to help! We offer multiple loan programs for first time home buyers:
First time home buyer loan programs:
- Conventional Mortgages
Includes low down payment options with low rates for First Time Home Buyers. - FHA Mortgages
The Federal Housing Administration (FHA) loan program allows for low down payments for just a percentage of the purchase price. - USDA Mortgages
The U.S. Department of Agriculture (USDA) home loan program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage. If you live in or are planning to purchase a home in a rural area and can’t qualify for a conventional loan, you may qualify for a USDA mortgage. This program allows for 100% financing with no down payment. - VA Mortgages
You’ve served your county, now let us welcome you home! If you’re a veteran of the Armed Forces or National Guard, or the spouse of a veteran, you may qualify for a VA loan. With a VA loan, you can borrow up to 100% LTV and qualify without a deposit. - Federal Home Loan Bank Programs
The Federal Home Loan Bank (FHLB) offers down payment assistance programs for First Time Home Buyers and Community Partners.
If you are ready to apply for a mortgage or want more information, be sure to check out our Mortgage page.
For additional questions about our mortgage products, please contact our Mortgage Services Department at 770.580.6098 or mortgage@peachstatefcu.org.
Buying a house doesn’t have to be overwhelming!
BALANCE, a FREE financial counseling resource, provides this simple guide to break down the process into a series of clear and easy to understand steps to get you into the home of your dreams. BALANCE is a financial education and counseling service that can help you get your finances in order, pay down your debt, and reach your goals – all at no cost if you’re a Peach State member!