HomeReady® Mortgage

With only 3% down, you're closer to home.

HomeReady® Mortgage puts homeownership within reach for those who have saved but still need some additional help in getting started. Whether you’ve owned a home before, or this is your first time free from renting, HomeReady® Mortgage is an option.

With down payments as low as 3%, we can help hard-working Americans break free from renting and achieve their home buying reality.

So, if you’re ready to turn your home-owner dreams into a reality, contact us at 770.448.8200, Ext. 2141 or apply online. Click to view rates.


This is your primary residence and is a single unit property; Debt-to-income ratio is equal to or less than 43%; minimum representative credit score of 640. The maximum loan to value (LTV) ratio is 97%.

Homeownership education is required to qualify for the loan program and can be accessed at The United States Census Tract for the subject property will determine the income eligibility for the loan program. The maximum borrower income for a subject property can be viewed at Mortgage rates are subject to change. Minimum loan amount is $50,000 and the maximum loan amount is $453,100. Actual payments will vary based on your individual situation and current rates. Offer available to residents within the states of Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee.

Payment Example: For a borrower with a 720 credit score acquiring a $150,000 30 year fixed rate loan with a 3% down payment ($4,500), with an initial rate of 4.500% (4.706% APR), would have a monthly payment of $760.03. Payments shown do not include property taxes, homeowners insurance, and mortgage insurance; actual payments may be greater. APR = Annual Percentage Rate. All rates and offers are as of August 28, 2018 and are subject to change without notice.

We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

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