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 Conventional (loan limit $417,000) My Community 100 No down payment required. Homebuyer Education class may be required. Private Mortgage Insurance payments are reduced. Your credit score determines your interest rate. Flex 97 3% down payment from almost any source Good credit needed Flex 100 No down payment, however private mortgage insurance is required Your credit score determines your interest rate. The Maximizer 103 100% plan with up to 3% closing costs financed 700 credit score 80 / 20 Piggyback Loan A 100% loan consisting of an 80% First Mortgage and a 20% Second Mortgage. This combination avoids the expense of Private Mortgage Insurance (PMI). The interest Only feature is available on this program. Your credit score determines your interest rate. The 107% Purchase Loan A 100% loan designed to allow closing costs and even certain debts to be added to the overall loan. Good Credit needed (700+). FHA (loan limit $200,160 in non-MSA areas, Glynn County $209,196, Atlanta area $252,890) Standard 97 3% down from almost any source Reasonable credit Down Payment Assistance Program A 97% loan in which the 3% down payment is a gift or grant from a non-profit corporation. Decent credit needed. 1 YEAR Adjustable Rate Loan Program The rate is lower than a 30 Year fixed rate, but can adjust each year based upon the market rates. This loan carries a 1% per year interest rate cap, better than almost any ARM available. VA (maximum 100% loan=$417,000) VA 100 Veterans are eligible for 100% financing Reasonable credit You can download a Conventional Loan Application, an FHA Loan Application, or a VA Loan Application by clicking one of the links below. Conventional Loan Application FHA Loan Application VA Loan Application Note: You will need Adobe Acrobat Reader on your computer to open these files. If you do not have Adobe Acrobat Reader, please click on the button below. 
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