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Georgia Dream PEACH PLUS Intro: For Buyers With Incomes And Purchase Prices Above The STANDARD Limit
What Should YOU
Expect Here?
SUMMARY
Of This PAGE
Georgia Dream PEACH PLUS Intro: For Buyers With Incomes And Purchase Prices Above The STANDARD Limit.
For those good folks who otherwise would qualify for the STANDARD or PEN programs.
However, they either exceed the programs income limit and/or need to buy a house whose price the programs’ max price.
Now Buyers income can go up to 150% Area Medium Income.
Home price Up to $650,000
The maximum home sales price varies by county:
1) Counties within the Atlanta Metropolitan Statistical Area (MSA) have a maximum sales price of $650,000.
2) Counties within the Athens Metro MSA have a maximum sales price of $575,000.
3) All other counties have a maximum home sales price of $500,000.
No RESTRICTION on previous ownership: PEACH PLUS serves The First-Time & Repeat Buyers alike! YOU are ready to buy NOW!
Down Payment Assistance (DPA) still available!
Lower Interest loans.
This is NO Lottery!
Serving ALL Georgia 159
I am always here to help -contact me
What Sets The
STANDARD DPA PROGRAM
A PART From the other 5?
WHO MAY QUALIFY?
ALL Georgia residents higher earners that might need a house whose price bumped the out of the ‘traditional’ Georgia Dream programs.
The Georgia Dream PEACH PLUS is still for those good folks who otherwise would qualify for the STANDARD or PEN programs.
MAJOR DIFERRENCE HERE: However, they either exceed the programs income limit and/or need to buy a house whose price the programs’ max price.
This what REALLY makes the PEACH PLUS D-I-F-E-R-R-E-N-T!
How are the Georgia Dream Programs funded?
The Georgia Dream Programs are ‘traditionally’ funded via Bond issuance from revenue via bond sales.
According of how the money for the funds are raised, there are some Federal guidelines regulating it, including how much the buyers can earn AND how much the house can cost.
So, Georgia Dream created the PEACH PLUS Program whose funds come from different origins and different set of rules.
It serves first-time AND repeat buyer: NO WAIT!
Higher Income buyer AND Higher Price houses (Compared to the ‘traditional programs.’)
Here are the Income AND House price limit for PEACH PLUS:
INCOME LIMIT: Up to 150% of that Area Medium Income (AMI)
Maximum Home Sales Price: The maximum home sales price varies by county:
1) Counties within the Atlanta Metropolitan Statistical Area (MSA) have a maximum sales price of $650,000.
2) Counties within the Athens Metro MSA have a maximum sales price of $575,000.
3) All other counties have a maximum home sales price of $500,000.
Regardless of line of work – who officially live in Georgia 6 months or longer may qualify…
Your line of work will NOT restrict you (please see PEN DPA),
NO restriction on family situation (please see CHOICE DPA)
NO requirement of being a Veteran (please see VA PROGRAM below)
No RESTICTION on previous ownership: PEACH PLUS serves The First-Time & Repeat Buyers alike!
YOU are ready to buy NOW!
Georgia Dream PEACH PLUS Intro: For Buyers With Incomes And Purchase Prices Above The STANDARD Limit
Now Buyers income can go up to 150% Area Medium Income. Max Home price Up to $650,00 (Varies by county)
THERE ARE REQUIREMENTS:
I keep saying ‘may qualify’ because there are REQUIREMENTS which must be reviewed and analyzed by a DPA Specialist – like me - AND a loan officer needs to pull your Credit Report before giving you the final say.
LASTLY – conditions may change and can improve: If you follow my advises, we can qualify you either a bit later OR next year.
In another program, I did exactly that for another buyer 9 years ago: He waited from one year to the next! He bought a house for less than $200,000 …fast forward: His house is now worth OVER $600,000!
Patience and diligence pay BIG dividends!
Georgia Dream STANDARD DPA – Most Important Requirements And Highlights – Are Laid Out Here:
This is NOT ONLY for “First-Time Buyer Program:”
It is for both for first-time AND repeat buyers alike.
YOU are free to buy another house right NOW!640 FICO SCORE minimum – the same for ALL Georgia Dream programs
660 FICO score minimum for Pre-fab homes
INTEL: A ‘house’ is NOT real estate.
The ‘land’ is what
makes it real estate.
So, make sure that manufactured house
you have your eyes on, comes with land
it is sitting on. 😊ALL Georgia Dream programs – are originated by a participating lender
at first.Participating lenders are independent mortgage lenders – who elect to participate with Georgia Dream programs. They will prepare your loan to be compliant with Georgia Dream requirements.
Georgia Dream Homeownership Programs vary, oh so slightly, from the ‘general’ mortgage loan lending market.ASSETS LIMIT: Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater). Example: House purchase price: $250,000 X 20% = $50,000 – that’s is the buyer’s max ‘liquid’ funds allowed
RETIREMENT ACCOUNTS – are NOT considered liquid assets
INCOME LIMIT: It varies by the city/county you want to buy a house – Please click here to check
(ONLY) $1,000 down payment out of your pocket AT CLOSING
YOU also MUST Register, Attend and Pass in a “HOME OWNERSHIP EDUCATION CLASS” – 4 to 5 hours. Paid directly to whichever provider you select, some are free.
Cost: $ZERO to $50
Please see link to class provider below
“Homeownership Education Class” –
List of AUTHORIZED Agencies of “Home Ownership Education” providers - across Georgia, please click here
They are ALL HUD-approved Home Education courses or counselors.
You will learn home budgeting, the buying process, and pot-purchase home maintenance.
It’s mandatory for ALL homebuyers through Georgia Dream - first-time OR repeat buyers.
Don’t be afraid, this is NOT a ‘gotcha!’ thing!
Folks there WANT YOU TO SUCCEED!
Both on the test AND as a FUTURE HOMEOWNER!
They will coach you into success! YOU will understand why you are in the class for: Then, the right answer will pop up from the wrong ones.
You will learn skills NOT ONLY on how to attain BUT how to preserve your future home!
You will see the right answer
Property will be your primary residence
YOU must occupy the house within 60 days
ALL OTHER LENDERS – (outside the Georgia Dream Program) - require Tax Return only for the immediate past 02 years …Georgia Dream wants to see income tax for the immediate 3 years
Loans must be originated by Participating Lenders …which there is plenty to choose from!
(INTEL: Georgia Dream does NOT originate ANY loans)Georgia Dream through their mortgage servicing arm: STATE MORTGAGE SERVICING - will buy and service the loan. You will always deal direct with them after the closing
Georgia Dream DPA How Does It Work
Why Georgia Dream Does NOT Make The Loans Themselves AND relay on a [robust] network of PARTICIPATING LENDERS instead?
AND How YOU Can Get Started
For staters there are ‘primary mortgage lending market’ AND ‘secondary mortgage market.’
PRIMARY MORTGAGE LENDERS
PRIMARY MORTGAGE LENDERS: mortgage lenders, banks, credit unions. Examples: Big and small mortgage lenders -some of the folks who come to the same place of worship AS YOU! Credit Union which can be where you bank and drive in front of their doors just around the corner from your home… Then we have the ‘BANKS’ – small, medium & mega banks… Like Ameris [my bank], Bank of America or J.P. Morgan Chasse (the biggest in the USA nowadays)
These are the ones with whom the public – you and I – will talk to when we are ‘shopping for a mortgage loan.’
They are the ‘face’ and the ‘voice’ (most of time on the phone 😉) of the ‘multi-trillion of $ dollars’ mortgage industry.
SECONDARY MORTGAGE MARKET
SECONDARY MORTGAGE MARKET: Feddy Mac (FHLMC), Fannie Mae (FNMA), Ginnie Mae (GNMA) …State Mortgage Servicing (Georgia Dream ‘secondary market’ arm)
The mortgage lending Industry is one the biggest in volume of dollars in the US economy.
I like to explain that ‘a mortgage loan’ is ‘a commodity!’
Much likely a water melon OR a jug of milk.
Consequently, the ‘primary lenders’ – who originate the loans as already having in mind that the loan ‘will be sold.’
I am quite sure you may already have knowledge of this fact: Mortgages are sold several times during the life of the loan. I would say that MOST originating lender will sell the loan AT CLOSING!
“Selling mortgages” are ‘routine’ transactions of every mortgage lender… And, given the sheers volume of dollars, there not a single ‘primary lender’ which could hold their mortgage portfolio! Besides, investors like banks and credit unions know that they’d better ‘diversify!!!
SECONDARY MORTGAGE MARKET To The Rescue
SECONDARY MORTGAGE MARKET to rescue
Feddy Mac, Fannie Mae, Ginnie Mae: Are the three BIG federal government backed entities who play a crucial role of buying mortgage loans ‘in bulk’ (tens of thousands of mortgage loans at once). Thus injecting $ trillions of dollars back into the ‘primary market’ = mortgage lenders, banks, credit unions…
INTEL: There are numerous ‘private lenders and investors who create “Mortgage-Backed Securities (MBS).
Recently (July 2025) made a private-public deal with LAKEVIEW LOAN SERVICING to create an Entirely new DPA program that came to be named Georgia Dream PEACH PLUS!
LAKEVIEW buys both the FIRST & SECOND LOANS – thus acting as a SECONDARY MARKET for all the loans generated by the PEACH PLUS program!
These SECONDARY MORTGAGE MARKET Companies are the fundamental source money creating liquidity for the primary mortgage market
These entities buy mortgages from lenders, package them into securities, and sell them to investors, keeping money flowing for new loans.
SECONDARY MARKET companies buy mortgages from the primary market thus creating liquidity for the mortgage market …AND freeing up more money for the primary lenders – your credit union, your bank and the mortgage loan companies - to make mortgage loans to folks like YOU and me!
STATE HOME MORTGAGE
STATE HOME MORTGAGE (Georgia Dream ‘secondary market’ arm) they buy the loans generated by participating lenders AT CLOSING
Georgia Dream does NOT generate the loans – which, now you know “why not!”
It is because they are in the SECONDARY MARKET!
A robust network of private mortgage lenders, banks, credit unions – and REALTORS - will be at your disposal to work with you! To listen to your needs and pair you up with the best Georgia Dream program – for your situation!
Here’s How YOU Can Get Started
Here’s How YOU Can Get Started:
You will need to have a couple of allied who are familiar with the Georgia Dream process:
1) Hire a Participating Lender – which agreed to work with the Georgia Dream program – for which they also have to study all the programs and they are ready to work through the system
2) Hire a real estate professional (REALTOR) who also has gone through the ropes to learn the intricacies the Georgia Dream program (s) require…
I am a Down Payment Assistance DPA specialist – I have dedicated countless hours learning the system, writing numerous articles pages website/blog – in plain language, so the first-time buyers will understand it right away… One of my first clients who I connected to a DPA has already paid more than half of her 30-years mortgage! 😊
Need more proof that I can deliver for YOU?
Hope I have ‘proved beyond a shadow of doubt’ – that I am the DPA specialist I claim to be:
May I Be Of Service?
OUT OF POCKET EXPENSES BEFORE CLOSING:
Here are some expenses that YOU will incur
In ALL House Financing – Either with Georgia Dream OR NOT – BEFORE CLOSING – for:
Credit Report – paid to the lender +/- $50/125
Property Appraisal – paid directly to the Inspection Company COST: $500 $700 = mandatory by ALL lenders and it NOT only required by Georgia Dream… ALL LENDERS must know if the house meets OR exceeds the price which is being paid for
“Homeownership Education Class” – paid directly to whichever provider you select, some are free. Cost: $ZERO to $50
List of AUTHORIZED “Home Ownership Education” providers, please click here
You pay directly to them!
AND NO – I do NOT provide such classes.
House Inspection (optional) – paid directly to the company / or inspector – whomever you chose $400/700 depending on the square footage.
This is OPTIONAL… BUT: do you want to skimp on $400/$700 against a $200K to $400,000 house?
Moving in NOT knowing what might be wrong in the house?
Yup! I don’t think so!
PS: I DO NOT provide any of these services: THIS IS NOT WHY I WRITING THIS (ALREADY) MONSTER BIG SITE!
First: I want to help people ALL OVER GEORGIA!
Independently if I am your REALTOR or NOT!
Secondly: YES! IF YOU STILL NEED AN AGENT TO REPRESENT YOU AND GET YOU OVER THE FINISH LINE – I WOULD LOVE TO BE YOUR REALTOR!
I AM ALWAYS HERE TO HELP!
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INCLUDING To Find Any Types
Of Homes By City, # Bedrooms AND Price U Want
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Please take a minute to write us a review: short, sweet, and to the point.
YOUR Opinion Does Matter!
THERE ARE GREAT BENEFITS Built-In
The DPA is EXTENDED to the homebuyers in the form of a “SILENT 2nd MORTGAGE”
(a) You DON’T have to pay the PRINCIPAL and ZERO INTEREST for as long as you live in the house
(b) AND you only pay the face value that is the same $ Dollar amount that you received on the day of the closing!!! …this is NOT a typo!
(ONLY) $1,000 down payment out of your pocket AT CLOSING
Lower Interest Rate Loans - this program works close to the prevailing market rates, but typically it is lower than the market rate
AND… BINGO!!! YOU are the newest PROUD
GEORGIA HOMEOWNER – under Georgia Dream STANDARD DPA!!!
Easy, hum?!
These are the easy peasy bullet format quick ’lemon squeezy’ reading to get you up to speed with the program.
I have another robust page that will bring you rich details, should you need or want them:
More Choices
Georgia Dream PEACH PLUS was introduced on April 15, 2024 with the purpose serve homebuyers who otherwise would qualify for program, but would be bumped out because of earnings or house price above program’s set limit.
Georgia Dream PEACH PLUS DPA is funded and administered ‘in house’ by Georgia Dream Home State Mortgage the finance arm of the program.
Starting July 1, 2025, Georgia Dream partnered with Lakeview Mortgage Servicing – in a first of its kind public-private venture to create Georgia Dream PEACH ADVANTAGE Program.
This program is administered by Lakeview who put their own funds to the PEACH ADVANTAGE program.
This program, along with PEACH PLUS, was also designed to serve those good Georgians who would be bumped out of the program due above programs’ income limit and/or higher home price for the area.
Although the target audience is similar, each of the programs have notable differences – which I sought to bring out here.
I do recommend that you also read my other page in this series
Georgia Dream PEACH ADVANTAGE Intro
Before making your final decision on which one is best for YOU!
Still More Choices
Here are the other Five Georgia Dream Homeownership Program I would like to make sure YOU are aware of …who knows one them could be fit YOUR circumstances better OR, perhaps, YOU may recommend to a friend:
Georgia Dream STANDARD DPA Program Intro
Georgia Dream CHOICE DPA Program Intro
Georgia Dream PEN – PROTECTORS – EDUCATORS & NURSES DPA Program Intro
MAY I BE OF SERVICE?
I would so love to be
YOUR REALTOR!
Or should any question arise:
I hope I have proved
‘beyond any reasonable doubt’
That I Am A DPA Specialist
And I will work AS HARD
For YOU!
Search Here ALL Intel Within This Site
INCLUDING To Find Any Types
Of Homes By City, # Bedrooms AND Price U Want
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you still need
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is not in this
Georgia Dream PEACH PLUS Intro: For Buyers With Incomes And Purchase Prices Above The STANDARD Limit page?
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I would so love to serve
as your REALTOR!
I am here to help!
