Whether you looking to buy a home or refinace your current one; your first call should be to a mortgage professional.  Below are loan officers that I have the pleasure of working with.   Give any of them a call and they'll be glad to help. 

NACA.com

NACA, Neighborhood Assistance Corporation of America, is a non-profit community advocacy and HUD certified counseling agency. NACA has been in the forefront of fighting discriminatory and predatory lending for over 20 years. NACA provides the most affordable mortgage solution for both homebuyers and homeowners.

NACA is your best option, for any of the following:

Homeowner - Make an unaffordable mortgage payment affordable

Homebuyer - Access NACA's Best in America Mortgage

Advocates - Participate in NACA's aggressive advocacy campaigns

The Georgia Dream Homeownership Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed, low-interest rate mortgages loans.

FHA Loan: A loan insured by the Federal Housing Administration, a part of the Department of Housing and Urban Development. FHA insurance enables lenders to loan a very high percentage of the sale price and insures the lender aganst financial loss.   The downpayment requirement is around 3.5% of the purchase price.

Convential Loan: Conventional loans are loans that are not VA or FHA loans.  They are secured by government sponsored entities or GSEs such as Fannie Mae and Freddie Mac.  Conventional loans can be made to purchase or refinance homes with first and second mortgages on single family to four family homes. There are 3 main types:  conforming loans, jumbo loans, and non-comforming loans.  The downpayment requirement depends on various factors such as credit score and loan program.