Zero Down
VA Loan
- Down
- 0%
- Credit
- 580+
Ideal buyer: Veterans and active-duty service members
- No PMI
- Competitive rates
- Reusable benefit
First-Time Buyers
Your first home is your first investment.
Shontelle stacks loan programs, credits, and down payment assistance so your first purchase becomes the foundation of a portfolio.
Low Down
FHA Loan
- Down
- 3.5%
- Credit
- 580+
Ideal buyer: First-time buyers with modest savings
- Flexible credit
- Gift funds allowed
- Assumable loan
Zero Down
USDA Loan
- Down
- 0%
- Credit
- 640+
Ideal buyer: Buyers in eligible rural CSRA areas
- No down payment
- Low mortgage insurance
- Income-based
3% Down
Conventional 97
- Down
- 3%
- Credit
- 620+
Ideal buyer: First-time buyers with strong credit
- Cancellable PMI
- No upfront MIP
- Faster equity
DPA Eligible
Georgia Dream
- Down
- As low as 0%
- Credit
- 640+
Ideal buyer: GA first-time buyers under income limits
- $7.5k–$12.5k assistance
- Fixed-rate
- Statewide
DPA Eligible
SC Housing
- Down
- As low as 0%
- Credit
- 640+
Ideal buyer: SC buyers seeking DPA
- Forgivable DPA
- Below-market rates
- Homebuyer education
Local Programs
Down Payment Assistance
- Down
- Varies
- Credit
- Varies
Ideal buyer: Buyers stacking city & county programs
- Grants & second mortgages
- First-time & repeat
- Layerable
Get the First-Time Buyer Guide
A plain-English walkthrough of programs, credits, and CSRA-specific local assistance.