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Lending Partners

Lender Online | Downloads & Related Links | Contact Information

Georgia Dream Homeownership Program

Our group of Participating Lenders is made up of banks and mortgage companies throughout the state as well as USDA Rural Development.


These lenders must:

  1. Be a legally organized business entity with a properly licensed business office located in the State of Georgia or in a State contiguous to and licensed in Georgia…
  2. Have, as a principal purpose, the origination of secured single family residential mortgage loans
  3. Be approved as a FHA Direct Endorsement lender and VA lender, or (i) have been approved as a DCA Lender prior to January 1, 1991, or (ii) be a federally regulated financial institution, or (iii) be a state or federal agency;
  4. Be an approved Fannie Mae Seller/Servicer, Freddie Mac Seller/Servicer, or Ginnie Mae Insurer, or (i) have been approved as a DCA Lender prior to January 1, 1991, (ii) be a federally regulated financial institution, or (iii) be a state or federal agency
  5. Demonstrate a proven ability to originate mortgage loans for sale in the secondary market
  6. Maintain quality control and management systems to evaluate and monitor the quality of loan production and compliance with DCA procedures; and
  7. Have in effect and maintain fidelity bond and errors and omissions coverage in amounts equal to that established for Fannie Mae Seller/Servicers and agree to
    8. any modifications needed to meet our requirements
  8. Have a minimum net worth of $1,000,000.00.

For complete lender relationship:information:
Lender Relationships (PDF)

For information on becoming a participating lender, contact your DCA Office of Homeownership Business Development and Training Representative click here

If you are a broker and interested in a wholesale lender relationship contact one of the following:
Jeff Schrock
Guaranty Trust Mortgage
770-355-4861
Jeff.schrock@guarantytrust.com

Gloria Holt-Scott
Guaranty Trust Wholesale
770-853-4687
gloria.scott@guarantytrust.com

If you are an approved lending partner, Click Here for access to our Lender-On-Line loan processing system; to reserve loans, access forms and request training.

Downloads & Related Links

  • Georgia Dream First Mortgage Programs
  • Georgia Dream Down Payment Programs

    • DCA Lender Tools
    Georgia Dream Homeownership Program Brochure
    Seller Guide and Updates
    Servicing Guide and Updates
    Lender Online
    Training Manual for Closers and Post Closers
    Training Manual for Originators and Underwriters
    Maximum Base Loan Amount Worksheet
    Maximum Base Loan Amount Worksheet – with HUD Required Repairs

    Georgia Dream Loan Origination Forms

    Household Income Worksheet
    SF10 - Loan Application Profile
    SF12 - Application Affidavit
    SF15 - Affidavit of Non-Applicant
    SF16 – Acquisition Cost Certification
    SF72 – Second Mortgage Contract Addendum
    SF72REO - Notice to Seller

    Georgia Dream Personalized Flyers

    Promote your company by adding your personal contact information and logo to the Georgia Dream Flyers below:

    Resources
    Current Interest Rate
    Georgia Dream Brochure
    Home Buyer Education Agencies
    GHFA Approved Counselors For Georgia Fair Lending Act

    GA Dream Homeownership Program Participating Lenders
    GeorgiaHousingSearch.org (Rental Housing Listing and Locator Service)

    Contact Information

    To contact your Georgia Dream Homeownership Program Business Development and Training Representative click here

    Georgia Department of Community Affairs
    60 Executive Park South, N.E.
    Atlanta, Georgia 30329-2231
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    Copyright © 2004-2012 The Georgia Department of Community Affairs. All Rights Reserved.