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Buying & Renting

Resources for Homebuyers

Along the path to homeownership there may be many twists and turns, but the rewards are numerous. Before you buy a home take time to learn more about the process. If you have never owned a home, then it is a good idea to take a homebuyer education class. Classes are available ONLINE, or in-person from Clayton County Extension and Chatham County Extension. The online Homebuyer Education Course costs $99. Most in-person classes are available free of charge. Below are some additional resources to help you learn more about buying a home.

Resources for Homeowners

Resources for Renters

If you are a renter in Georgia, you should know your rights and responsibilities. You will find this information in the Landlord Tenant Handbook developed by the Georgia Department of Community Affairs. Other housing resources:

UGA Extension is a HUD approved housing counseling agency. Find a housing counselor visit the HUD website

FAQ

Buying A Home

  1. How do I find a homebuyer education workshop or pre-purchase counseling?
  2. Can I take a homebuyer class online?
  3. How much home can I afford?
  4. Where can I find a house that was foreclosed on?
  5. Why is a mortgage APY higher than the interest rate?
  6. How do I select a mortgage?
  7. Where can I find a low-interest rate mortgage and down payment or closing costs assistance?
  8. Are there any special loan programs for Firefighters, EMTs, Police Officers, Teachers, Military or Health Care workers?
  9. Ae there down payment assistance programs for persons with disabilities?
  10. Are there loans available to person living in rural communities?
  11. Are there loans that encourage the purchase of energy efficient homes?
  12. What should I ask my Home Inspector?
  13. Where can I learn more about closing costs?
  14. Can I use my housing choice voucher to buy a home?

Life As A Homeowner

  1. How can I lower my home insurance costs?
  2. Can I cancel the private mortgage insurance (PMI) on my home loan?
  3. Where can I learn more about reverse mortgages?
  4. Where can I learn more about home improvements?

Life As A Renter

  1. What are my rights and responsibilities as a renter in Georgia?
  2. What type of rental assistance is available to low-income Georgians?
  3. How can I find a place to rent?

Understanding Your Rights

  1. What are my housing rights in Georgia?
  2. What laws protect my access to fair housing?
  3. How am I protected when buying a home?
  4. What are my rights when I borrow money to purchase a home?

Protecting Yourself From Predatory Lending

  1. How can I protect myself from loan fraud and predatory lenders?

Buying A Home

How do I find a homebuyer education workshop or pre-purchase counseling?

HUD Approved Housing Counseling Agencies

Can I take a homebuyer class online?

UGA Extension provides a class online for $99. Click to check it out

How much home can I afford?

Mortgage Calculator

Where can I find a house that was foreclosed on?

Homes for Sale

Why is a mortgage APY higher than the interest rate?

APY v. Interest Rate

How do I select a mortgage?

Shop, Compare, Negotiate

Where can I find a low-interest rate mortgage and down payment or closing costs assistance?

Georgia Dream Homeownership Program

American Dream Downpayment Initiative (ADDI)

Are there any special loan programs for Firefighters, EMTs, Police Officers, Teachers, Military or Health Care workers?

Good Neighbor Next Door Program

Ae there down payment assistance programs for persons with disabilities?

Georgia Dream - CHOICE

Are there loans available to person living in rural communities?

USDA Rural Development

Are there loans that encourage the purchase of energy efficient homes?

Energy Efficient Mortgage

What should I ask my Home Inspector?

10 Questions to ask

Where can I learn more about closing costs?

Buying Your Home: Settlement Costs and Information

Can I use my housing choice voucher to buy a home?

Homeownership Vouchers

Life As A Homeowner

How can I lower my home insurance costs?

12 Ways to lower home insurance

Can I cancel the private mortgage insurance (PMI) on my home loan?

Cancellation of PM

Where can I learn more about reverse mortgages?

Fact Sheet From Federal Trade Commission

HUD Home Equity Conversion Mortgages for Seniors (HECM)

Where can I learn more about home improvements?

https://www.hud.gov/topics/home_improvements

Life As A Renter

What are my rights and responsibilities as a renter in Georgia?

Georgia Landlord and Tenant Handbook (PDF)

Georgia LegalAid

What type of rental assistance is available to low-income Georgians?

Housing Choice Voucher Program

How can I find a place to rent?

Rental listings in English

Rental listings in Spanish

Understanding Your Rights

What are my housing rights in Georgia?

The Georgia Fair Housing Law (English)

The Georgia Fair Housing Law (Spanish)

What laws protect my access to fair housing?

Fair Housing and Equal Opportunity

How am I protected when buying a home?

Real Estate Settlement Procedures Act (RESPA)

What are my rights when I borrow money to purchase a home?

Mortgage Borrowers' Rights

Protecting Yourself From Predatory Lending

How can I protect myself from loan fraud and predatory lenders?

Mortgage loan fraud

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