Ready to buy your first home in Alabama or Georgia? Edwin Mortgage Team offers grants, forgivable loans & low-interest options to make it possible.

Introduction: Your Path to Affordable Homeownership

For many first-time home buyers in Alabama and Georgia, the biggest challenge isn’t finding the right home—it’s saving enough for the down payment. Rising home prices make that hurdle even higher.

Here’s the good news: you don’t have to figure it out alone. At Edwin Mortgage Team, powered by Edge Home Finance, we’ve already done the research for you. We have direct access to grants, forgivable loans, and low-interest second mortgages designed to make homeownership possible sooner than you thought.

Our mission is simple: take the guesswork out of down payment assistance so you can focus on finding your dream home.

What Down Payment Assistance Really Means

Many buyers assume a 20% down payment is required—but that’s not always true. Thanks to a variety of programs, qualified buyers can secure funding help that reduces or even eliminates the upfront burden.

At Edwin Mortgage Team, we bring the best of these programs directly to you, including:

  • Grants – Funds you don’t have to repay. Perfect for first-time homebuyers looking for immediate relief.
  • Forgivable Loans – No repayment required if you remain in your home for a set number of years.
  • Low-Interest Second Mortgages – Affordable financing options to cover what savings alone can’t.

Instead of sending you off to hunt through dozens of websites and agencies, we’ve done the work already. Our team is ready to connect you with the programs you qualify for—right now.

Down Payment Assistance in Alabama

Alabama homebuyers have access to unique opportunities, and our team knows exactly how to navigate them. Some examples include:

  • Step Up Program (AHFA): A fixed-rate loan paired with down payment assistance for moderate-income families.
  • Local Grants & Incentives: Certain cities and counties in Alabama provide additional support for first-time homebuyers.

The best part? You don’t need to spend hours figuring out which one is right for you—we’ve already mapped it out.

Down Payment Assistance in Georgia

Georgia’s Dream Homeownership Program is one of the most recognized options, offering up to $10,000 in down payment help. But that’s just the beginning. Local governments across the state, including metro areas like Atlanta and Savannah, also provide programs that cover down payments and closing costs.

At Edwin Mortgage Team, we simplify the process by showing you exactly which programs you qualify for and how to apply—saving you time and stress.

Who Qualifies for Assistance?

Each program has its own criteria, but common factors include:

  • First-time buyer status (or not owning a home in the past 3 years)
  • Hometown Hero’s (Teachers, Firefighters, EMT’s, Nurses’ & Police Officers)
  • Some have Household income limits
  • Minimum credit score (usually 620+ some as low as 580)
  • Residency requirements (Alabama or Georgia purchases)
  • Primary residence (don’t apply to investment properties)

Our job? Review your personal situation and match you with the programs you can actually use. No confusion. No wasted time.

Why Work With Edwin Mortgage Team?

When you work with us, you’re not just applying for a mortgage—you’re gaining a partner who’s already done the heavy lifting.

Here’s what you can expect:

  • Immediate access to down payment assistance programs.
  • Tailored guidance based on your financial profile.
  • Hands-on support through the application process.
  • Local expertise in Alabama and Georgia markets.

We’ve built relationships and knowledge that allow us to connect clients to opportunities quickly, so you can stop worrying about the down payment and start picturing life in your new home.

FAQs: Down Payment Assistance in Alabama & Georgia

Q1: Do I have to be a first-time buyer?
Not always. Some programs allow buyers who haven’t owned a home in the last three years or Hometown Hero’s.

Q2: Can I combine assistance with FHA, or Conventional loans?
Yes. Many of the programs we work with can be layered onto standard loan products to make your purchase even more affordable.

Q3: How much assistance is available in Georgia?
Programs like the Georgia Dream can offer up to $10,000, with higher amounts for public service workers.

Q4: Are grants really free money?
Yes, grants don’t require repayment. Forgivable loans may have conditions—like living in the home for a set period—before they’re erased.

Q5: How do I get started?
It’s simple: contact Edwin Mortgage Team. We’ve already identified the programs, and we’ll walk you step by step through your options.

Conclusion: Your Homeownership Journey Starts Here

Buying a home in Alabama or Georgia doesn’t have to feel out of reach. With access to grants, forgivable loans, and low-interest second mortgages, the Edwin Mortgage Team has already done the homework so you don’t have to.

Take the first step today—reach out to the Edwin Mortgage Team and let us show you exactly how down payment assistance can unlock your dream home.