Who Qualifies?
1
Who Qualifies?
Many homebuyers may qualify for down payment assistance programs in Georgia, including first-time buyers and repeat buyers in some cases. Qualification is typically based on:
*Credit score
*Income limits
*Employment history
*Debt-to-income ratio
*Home purchase price
*Primary residence occupancy
Programs are available for buyers purchasing single-family homes, townhomes, and some condos throughout Gwinnett County and Metro Atlanta. Buyers may qualify even if they do not have a large down payment saved.
Working with an experienced Realtor and lender can help determine which programs best fit your financial situation and homeownership goals.
2
Georgia Dream Program
Georgia Dream Program
The Georgia Dream Homeownership Program is one of Georgia’s most popular homebuyer assistance programs. It helps eligible buyers purchase a home with:
*Down payment assistance
*Affordable fixed-rate mortgage options
*FHA, VA, USDA, and conventional loan options
*Reduced upfront costs
The program is commonly used by:
*First-time homebuyers
*Veterans
*Public protectors
*Educators
*Healthcare workers
Buyers must meet income and purchase price guidelines, and homebuyer education may be required.
If you’re considering buying a home in Snellville, Loganville, Lawrenceville, or surrounding Gwinnett County areas, Georgia Dream may help make homeownership more affordable.
3
Minimum Credit Score Information
Credit score requirements vary depending on the loan program and assistance option being used.
In many cases:
*FHA loans may allow lower credit scores
*Conventional loans often require higher scores
*Some down payment assistance programs have minimum score requirements
Even buyers who believe their credit is not perfect may still have options available. Factors such as payment history, debt levels, and overall financial stability also play an important role in approval.
Before starting your home search, it’s important to speak with a trusted lender to review your options and determine the best financing strategy for your situation.
Frequently Asked Questions
To help you make informed decisions, we've compiled answers to some of the most commonly asked questions.
Can I buy a home with little money down?
Yes. Many buyers qualify for low down payment loans and assistance programs that help reduce upfront costs.
Do I have to be a first-time buyer?
How long does the homebuying process take?
Can down payment assistance be combined with FHA loans?
What areas do you help buyers in?
How do I get started?
Buyer Success Stories
Roselina Turin
Z Francois
John Swiney
Kevin Zamora
Vee is amazing!! Thank you so much!! Very much appreciated!!
Bettyann Frattallone
VEE WILSON is very dedicated to her work and her customers, very caring. She is that person who will call to check upon her clients even after you have settled in. She is always offering to help in whatever way she she can do to help you in your new home. She was a realtor who is now like a new family member. I would recommend her to anyone who needs a realtor.. Very business like and pays attention to details. It was a pleasure working with you Vee. Wilson.
Brian Weiler
I cannot share how much in words we absolutely LOVED Vee Wilson. I would recommend her over and over again for the rest of my life. She was always reliable, courteous, and friendly every step of the way. She gave us advice when she saw fit, but also gave us our space when needed. She was the second real estate agent we had in our home buying process and we were IMMEDIATELY impressed with her welcome packet explaining the entire home buying process, and some houses that she found on her own based on some of the homes we wanted to see with her that day. We just always felt welcome and safe with Vee.
Thank you Vee for all you have done for us in our home buying experience. We greatly appreciated you to the fullest extent. I hope you thrive in your future career as a real estate agent!
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I worked with Vee Wilson of HomeSmart Certified Probate Real Estate Specialist again and I was impressed by her knowledge and honest communication. She responded quickly to every question, were incredibly efficient, and made the process feel simple. Her promptness and clear updates helped me feel confident throughout, and I would highly recommend her to anyone looking for a reliable real estate broker.
This is also our second time dealing with Vee an another great decision with going with her! Vee is our forever real estate agent.
Thanks Vee with everything you do!!!
Jane burgos
We are repeat customers. Each time has been a great experience with Vee Wilson of HomeSmart Certified Probate Real Estate Specialist. Top 3 things I loved: 1) Prompt and clear communication throughout the process, 2) Helpful guidance as a homebuyer and seller 3) Professional and friendly real estate agent service. I would highly recommend Vee and will use her services again if needed!
KAMEO C
We enjoyed working with Vee she is nice person and easy to work with she had professional pictures taken of our home that helped our house sell.
Sharon Solomon
Vee Wilson did such a great job getting my home rented . She did such good marketing ensuring I was aware of every move . She did such a great job I recommended her to other people who wanted a great agent .
Jenny Terry
I cannot sing Ms. Vee’s praises enough! She helped us through the entire rental process AND messages me monthly to check-in to see how things are. She even went to my husband’s future workplace to pick up our deposit! She delivers outstanding service and goes above and beyond! Vee is absolutely amazing and I would recommend her to everyone!! If you need a realtor, call her!!
Ashley C
Vee is very helpful and resourceful. She is very responsive and helped me find a home that I love!
Y P
Working with Vee has been an absolute pleasure. She sold two houses for me and worked tirelessly to get me the best deal. I would definitely work with Vee again in the future.
Michele Kuykendall
Exceptional, professional realtor who communicates in a timely manner and helps to make the whole process a breeze. Vee Wilson served us very well.
Danielle Martinez
Vee Wilson was the realtor we chose to help us purchase our home in Georgia. She was so fully engaged in the process, and on top of every detail before we knew it. She communicated with us promptly when we reached out, and her time management skills are top notch. She made the home buying process feel like a walk in the park, and every task she was given, she handled like the professional that she is. We would not hesitate to use her again, and recommend her to family and friends as well. You would be hard pressed to find another realtor with her talent and work ethic. The integrity by which she stands on, is what makes her stand above. She really has her client's best interest at heart. We wish her all the success, she deserves it!
Yxchel Wells
I recently had the pleasure of working with Vee again—this time as my husband and I bought our first home. After the fantastic experience she provided my parents find their home, I told my husband, we could trust her to guide us in finding our forever home. Vee has a warm and genuine approach that makes you feel completely at ease. She helped us with market insights and patiently answered every question, ensuring we felt confident throughout the process. Her attention to every little detail and her proactive, thoughtful communication turned what could have been a stressful experience into an enjoyable journey. If you're looking for a realtor who is professional, knowledgeable, and truly cares about your needs, Vee is the perfect choice! Thanks Vee - The Wells!
Rae Throw
Where do I even start? Vee is absolutely amazing, and the Google reviews don’t lie!
As a first-time homebuyer, searching for the right realtor felt overwhelming—until I came across Vee’s reviews. From our first conversation, I knew I was in great hands. She took the time to walk me through the entire process, ensuring I understood every important detail about becoming a homeowner.
Her entire ecosystem is incredible! She was patient, truly listened to what I was looking for, and guided me through every step with knowledge and care. Vee is always on top of things, making what could have been a stressful process feel seamless.
I couldn’t imagine going to another realtor. I’m beyond grateful to have started this journey with her. If you’re looking for the best, look no further—Vee is the one!
Mike Hawkins
Exceptional realtor!! Knowledgeable and knows how to work with her client’s needs at the forefront!
Shakira Tumpkin
Vee is an amazing powerhouse and an excellent realtor to have on your side when it comes to finding you and your family their dream home. Words can’t explain how grateful we are. My husband and I are very happy with our new home and we couldn’t have it without Vee. She went above and beyond for this California girl moving to a new state here in Georgia. She helped us find our forever home stress free. An empowering woman I’m happy to have forever apart of our family. She is my forever realtor! Thank you so much Vee Wilson! 💕🙌🏾
Tavia Brooks
Mrs. Vee was very supportive!!! Definitely deserves a 10000/10.. We closed within 3 WEEKS❗️ Our experience was very easy and she helped us make the right decision. Thank you Mrs. Vee, most definitely RECOMMENDED
RE Edify Baltimore
Vee is extremely diligent and knowledgeable of her market and the overall real estate business. I am an investor who was conducting my first fix and flip in Georgia and I was blessed to find Vee’s card at a restaurant when I went to grab a bite to eat. My business partner and I called Vee as we started to search for the realtors who would help us sell the home as we were finalizing the renovation. Vee was very responsive and was on-site in no time and as we did the walk through and discussed the project and her experience, I was able to quickly identify that Vee was the right choice and our search for a realtor would stop where it started (with Vee). Being an out of state investor you need people on the ground you can trust, and Vee not only knew how to sell the home, she also shared her network of contractors, inspectors, etc. with us which made the process so much easier and saved us a ton of time. Vee suggested a “coming soon” listing on the property as we completed the renovations, which paid off tremendously, because once we listed the house the property received an offer in the first few days of being officially listed. Vee helped us through the entire process, kept us informed, and guided us on “the way things are done there in the south” Having done multiple real estate transactions I’ve seen a lot and with my experience, I know that Vee stands out amongst the crowded field of Real Estate Agents and I highly recommend Vee to anyone who is looking to buy or sell a home. I am extremely impressed with the level of service Vee provided. - Bernard
Dustin Hayre
Vee is amazing! We purchased a home mostly remotely as our previous home was 7 hours away. She made the process very easy despite the distance, was extremely communicative, and even helped with things we would normally do but couldn't because we were remote. If you're looking to buy or sell in the greater Atlanta area, definitely reach out to Vee!
Tito Ortiz
I wouldn’t recommend anyone else but Vee she will get the job done right and get it done proficiently .
Laura M.
Our home buying process was quick and easy. Vee is great!! She helped us with all the steps of getting into our place. She’s the best realtor we’ve had hands down. She’s kind and thinks of all the little things we didn’t. If we need another house this is who we would call!!
Trailblazers Immigration
We received a very professional and prompt service from Vee. The process was seamless as much as her ability to go above and beyond to give the best deals to her clients. We are definitely going to use her services again and will also recommend her to many more people.
Judine Palmer
A big thank you to my realtor Vee Wilson. She is very knowledgeable, confident, efficient and reliable. I would highly recommend her and when the opportunity presents itself, I will be contacting her for her services again.
Jide Opeola
I recently sold my quadplex property that I had owned for almost three years, and I couldn’t be happier with the service I received from Vee. The selling process was super quick, my house was under contract on the second day it was on the market! This speaks volumes about Vee’s expertise in premarket strategies.
Not only did the property sell faster than I expected, but it also sold at a price above asking. Vee was communicative every step of the way, ensuring I was informed and comfortable with each stage of the process. She went above and beyond to make sure everything with the deal went through smoothly.
I highly recommend Vee to anyone looking to buy or sell a property. Her professionalism, dedication, and outstanding service made this transaction a seamless experience. On behalf of my family and myself, thank you again Vee!
Tiffany Lee
LaFaye Allen
I’ve purchased 3 homes and Vee is by far the best realtor I’ve worked with thus far!!! She’s so patient and humble and so willing to answer questions. 10/10 would recommend!
Abdisa T
We had a fantastic experience working with our realtor, Vee Wilson. We found her knowledgeable, professional, and dedicated to helping sell our home as we planned. She.
was always available to answer any questions we had throughout the process. Greatly Appreciated!
Natalya K
Clear communication and listened to all my requests. With perseverance we closed on a home within 2 weeks. So glad I found Vee.. would highly recommend.
Jay Dow
Our meeting with Vee was a blessing in disguise! While house hunting with another realtor, it was frustrating since there was no progress. We lived in NY so it was a bit more difficult to find a house in GA. We met Vee and even though we were in another state she did all she could to find us a house that we loved. She was very professional, reliable, patient, efficient, determined, and resourceful. When we were afforded the time to visit GA to look at homes she found, she ensured that her schedule was cleared in order to dedicate her time solely to us. When we couldn't visit the houses in person she took photos, videos, and video called us to see the options that were available. After seeing the options and making offers, God allowed us to acquire the house we were most in love with. It was a challenging process but Vee went above and beyond to use her knowledge and expertise to make our dream of becoming home owners a reality. Even after closing she made herself available to assist us in whatever way was needed while we were still living in NY.
Vee is excellent at what she does. She communicates often and is prompt in responding. She answered any questions we had, and even if she didn't have the answer she made sure she got the info so that our questions could be answered. She went from being a realtor to a reliable friend. Being new residents to GA, she gives us tips and sound advice to help us adjust and be in the know.
We highly recommend Vee Wilson for all your realtor/real estate needs. Rest assured that you will receive the absolute best service. Vee is absolutely Amazing!! She puts in the work and then some. Anyone interested in purchasing a home, or knows of anyone interested Vee is the person to call.
Sentell Whittenburg
Vee is an amazing realtor. She went above and beyond our expectations! Satisfaction guaranteed.
Ossy 2x
Vee not only follows up on you. She is determined and will go the extra mile to get u where u need to be. With her, YOu are not just a client, you are FAMILY. I love my house and it's all thanks to u Vee
Janel Chambliss
Vee Wilson the best of the best. As soon as I met her; we instantly clicked. She helped me get into my dream house in a matter of days. I thank God for allowing us to meet and finalize business. If I could give her 10 stars; she would have all of them.
Vernice Walls
Vee is an amazing person to do business with. Her service was excellent and very on point. I would recommend her to anyone looking for a new home in the state of GA. She’s very Professional and handle thing in a timely manner.
LaCrecia Foster
She is the best!!! Vee helped us sell and buy in a difficult market. Her knowledge, honesty, integrity, and work ethic is much appreciated. Highly recommend!
Ks Ted
Highly recommend ! She went above and beyond to make sure we have a new home.
Gregory Fashaw
Best realtor I ever had very knowledgeable and always checked in with me everyday. There was no problem with her showing me houses.
Rosalyn Rosalyn
Teresa Ibouhouten
Vee was the most awesome real estate agent I have ever worked with. She’s extremely knowledgeable about the housing market and took everything we were looking for into consideration when showing us homes and selling ours. She was able to help us sell quickly and purchase a home that we absolutely fell in love with. She truly went above and beyond our expectations. Her flexibility to show us homes coupled with her incredible professionalism was truly valuable and I highly recommend her to be anyone’s top choice as an agent.
Tiona Fleming
I want to personally thank Vee for being patient and always their when I was ready to search for homes. She knew what I was looking for and found the perfect home for my family. I appreciate her for being responsive and staying on top of things. This is the best gift I could ask for in 2021. Thanks Vee and stay blessed.
The Fleming Family
Carline Guerrier
Vee was very professional & responsive to my personal needs.
Mable M Jones
Mrs. Vee Wilson, was very helpful in selling my property. Her knowledge and skills was valuable as well as her professionalism.
I highly recommend her to anyone who needs a good Realtor in the business.
Good job Vee!
Joseph Parker
Vee (Vileine) is an outstanding relator. If you are looking for someone that is professional and responsive, look no further. I recently closed on my first home purchase. Vee was exceptional in negotiating with the seller and staying in contact with them during the transaction.
Vee has a wealth of resources at her fingertips and if you need assistance in any area related to real estate within the Atlanta market, then you should contact Vee.
Vee works full-time as a real estate agent and she was in constant communication with me throughout the process. She does not hesitate to call, text and/or e-mail throughout the home buying process. She actively seeks to ensure that all of her clients are successful in their home search process.
If you want someone that will advocate, treat you like family and do their best to ensure you are successful in this hectic market, then look no further than Vee (Vileine) Wilson. She is the best Realtor in the metro Atlanta area. Contact her immediately and I am sure you will be successful in your real estate transaction.
angela elliott
Vee Wilson is an amazing realtor! She is a real go- getter. It is a tough market for buyers right now, but Vee works tirelessly to serve her clients. I went through 2 realtors before working with Vee. I finally landed my dream home and the selling agent said they picked my offer because my realtor had such a can-do attitude about meeting the closing timeline and had great communication (responsiveness). I will be recommending Vee to my friends and colleagues and I have found a realtor for life.😊
Grace Denton
I am very thankful for Vee's help in finding my new home. She was very helpful in the process from start to finish. Vee is a very competent and relible agent to work with.
Shamesha Lovette Miller
Had a wonderful experience with Vee!! Start to finish she was always available!! I pray all the success for you and your business!!!
Akkeya Joyner
My experience has been one to remember because without the struggle behind this process there wouldn't have never made the result so beautiful. What I mean is that every turn or mistake that was conflicting with my buying of the house, Vee was there to back me up. Vee had been someone I could rely one despite the roles we had. On one hand, She had immediately booked my house tours giving me a hope of quick results. Then when the situation escalated with my lender she had become a confidant that reassure that i was in good hands and that nothing would fumble my transaction. Overall, I am truly blessed to have someone like her in my corner and I highly recommend her services.
garrykeates
Vee Wilson has been an absolute diamond to work with in our home buying process. She has been very helpful with our many first time home buyer questions, and has been quick to respond to emails even in the evenings and on the weekends. Despite a bit of confusion with correct names on the contract, we have been very satisfied with the smoothness and ease that Vee has created in the home buying process. Her expert knowledge, organisation and professionalism have been invaluable. In addition, Vee was also willing to take us to more rural areas outside of Atlanta, which really stood out to us, as in past experience, many realtors had not been eager to do so. Finally, Vee was able to recommend credible sources, like property inspectors and a complementary utilities concierge, that made our home buying process that much easier. All that said, we highly recommend Vee Wilson of Palmer House Properties.
The Foys
Mrs. Vee Wilson is an amazing realtor. We had a previous realtor before Mrs. Wilson and that experience left a sour taste in our mouth. We were at a lost and didn't know who we could trust and turn to. Our time to find a house was running out and felt very frustrated and discouraged of finding a realtor. We sent a message to Mrs. Wilson and she responded immediately. We expressed our wants and needs for our dream home and Mrs. Wilson was on top of it from the get go. Her patience, friendliness, dedication and flexibility...she is incredible, she loves what she does and is dedicated 110% to her clients. Today we signed on our home and we couldn't be happier that Mrs. Wilson help us get there. We were truely bless to find her. Thank you Ms. Wilson! You are amazing and will always be a part of our family. We wish you continuous success in your business and God bless you and your family always. The Foys.
zuser20170606055432872
Vee Wilson was so helpful every step of the way! Would highly recommend anyone to trust her with your own buying experience! She will definitely take care of you.
Brandi Mason
There are not enough words to explain how amazing Vee was during this experience. It was my first time buying a home and she made it an enjoyable time. There were times I wanted to give up but she was right there egging me on. She did a lot for me as far as filling me in on the information I had no idea about or answering just simple questions. She would find properties I didn't even know we're there. I felt like I was working with a friend rather than just a realtor. Thank you for all of your hard work Vee!!!
Prync'Devin
Let me start off by saying thanks miss vee for the outstanding experience you have given me in buying my home.
Miss vee is great and give great feed back if you ask her. She took me to about 8 to 10 houses which is more then enough to pick the one I wanted as I had alot of options she help me narrow it down to 2 and we picked the final one that best fit me and my hubby needs. She us kind and really nice. She is more then someone who sells houses he became family and a great friend she can become yours too just looking at houses the energy and the way she carries herself is very suitable to say she loves what she do. I asked her ( do you like doing this and y?) Without delay she told me yes because she loves helping people and love seeing a smile on other faces.
Try her I promise you you won't be disappointed. She will keep you updated and answer all questions and if she don't know it she will get all information you asked in a matter of mins. She made this process stressed free and again she keep you updated every step of the way.
Quesadra Williams
prynce brown11301989
I could have not ask for a better person in this world. She kept me at peace and not stress over the process. She is a miracle worker! From day one she had a plan and that second day you she had us with enough ideas and knowledge to make a decision on a house.She is more then a realtor! She treated us like family the hold process ?? she is the best out their more then enough laughs and love.I'm not one to brag but I have every reason to brag about Vee Wilson.She made sure every house we looked at we wear a mask and she keep wipes just in case as she wipe everything down to keep her and her clients protected! Thank you for that because it goes a long way.Please if you have any doubts about her take a chance and speak with her you won't be disappointed. I'm spiritual and I can feel a person energy and I can tell you she don't just do it for a pay check she do it also because it bring smiles on others face and from talking to her she loves with she do.I can text a book from my experience I had buying my home but theirs not enough words in the world to explain. Thank you Thank you Thank you.
bellezaqd
Our family couldn’t be happier thanks to Vee. She really goes above and beyond we can never thank her enough for all she’s done. She walked us through each and every step making sure we understood every part of the process.
zuser20180213052604087
Vee is the absolute best! She’s always on time and very attentive. She’s knowledgeable and assertive. I love that she made us feel comfortable and got us the right house for our family. I highly recommend using her as your realtor.
Dino Mendoza
They made the process very smooth and stress free. My hats off to my realtor, Vileine Wilson, she hung in there with me every step of the way.
zuser20150527170043287
Vee is very professional. Our house hunting was very well organized and most important she listened to the type of home and neighborhood we wanted to live in. Her responsiveness to our multitude of questions was amazing. Her honesty, integrity and care for her clients are qualities she possess. Excellent negotiator and follow up. A+ service.
Kimberly Lee
Vee Wilson is such an amazing, professional, patient agent. Her service was nothing short of amazing. My family and I have such an attitude of gratitude for all that she’s done for us. If I could rate her with 50 stars I would, but even that wouldn’t be enough. Thanks for making my dreams of becoming a first time home owner come true. Much love ❤️❤️❤️❤️
Paula Brown
lashunway
The BEST IN THE BUSINESS!! TOTALLY DEDICATED TO HER PASSION OF MAKING DREAMS COME TRUE! SHE HELPED ME BUT A HOUSE & IT ONLY TOOK HER 2 DAYS TO FIND THE PERFECT FOR US!! ONCE YOU MEET YOU, YOU'LL KNOW RIGHT OFF BACK THAT SHE'S SERIOUS ABOUT WHAT SHE DOES & HAVE SUCH A GENUINE SPIRIT & PERSONALITY!! I PROMISE ONCE YOU TRY GET YOU'LL DEFINITELY KEEP HER LOCKED IN YOUR CONTACTS FOR LIFE!!! THANKS MRS. VEE!!!!!
LaShun Way
OMG I'M SPEECHLESS AT THE WONDERFUL & AMAZING SERVICE MRS. VEE SHOWED ME & MY FAMILY!!! I PROMISE YOU SHE'S THE BEST IN THE BUSINESS!!! IF I COULD GIVE HER 100 STARS THAT STILL WOULDN'T BE ENOUGH TO RATE HER SERVICE!!! THIS IS HER PASSION & NOT JUST A JOB! SHE GOES ALL IN TO MAKE THINGS HAPPEN!!! SHE'S ON GO AS WE SPEAK! ONCE YOU "IM READY... SHE'S ALREADY ON IT BEFORE NIGHT FALL!!! IT ONLY TOOK HER ONLY 2 DAYS TO FIND THE PERFECT HOME US!!! NO EXAGGERATING!!! I PROMISE YOU WON'T REGRET A SECOND OF YOUR TIME WORKING WITH HER!! WHEN I WAS AT THE POINT OF GIVING UP, HER WORDS & COMPASSION FOR OTHERS HAPPINESS IS WHAT KEPT ME GOING!!! THANKS MRS. VEE!!! YOU ROCK & ROLL!!! MRS.VEE SAID TO ME... "I DON'T KILL DREAMS, I MAKE DREAMS COME TRUE"- & THAT'S EXACTLY WHAT SHE DID FOR MY FAMILY!!!! WHAT ARE Y'ALL WAITING ON???!!!! IT GETS NO BETTER!!! I PROMISE YOU!!!❤❤❤❤❤❤❤❤❤❤❤❤
boobiepea
Vee was amazing from beginning to end! She explained the process and satisfied our questions and needs every step of the way! Her response times were outstanding! I was extremely satisfied with her performance! I have already recommended her to friends! She gets an A+ from me!!!
zuser20141005105148596
Vee was awesome and walked us every step of the way and we found and purchased our first home thanks vee If i wasn't for your help we not have realized our dream when moved here from Jersey