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Downpayment Assistance Program

Buying a home can be overwhelming and stressful. It is our priority to make the process smooth and affordable for our clients. We at Luvanex Realty Group have come up with a way to offer affordable mortgage options.


Georgia and North Carolina Home Advantage Mortgage
The Georgia and NC Home Advantage Mortgage provides eligible home buyers with down payment assistance up to 5 percent of the loan amount, competitive interest rates and up to 100 percent financing on FHA, USDA and VA loans. It also offers 3 percent down payment assistance on conventional 97 percent LTV loans.


You may be eligible for the Georgia and NC Home Advantage Mortgage if:

  • You are purchasing a home in Georgia or North Carolina
  • You occupy the home as your principal residence within 60 days of closing
  • Your annual income doesn’t exceed $89,500
  • Your credit score is 640 or higher
  • You are a legal resident of the United States
  • You are applying for an FHA, USDA, VA or Conventional loan through a participating lender and meet the sales price limits of the loan type

  • What properties are eligible?

  • Single-family homes
  • Townhouses
  • Condominiums
  • Duplexes

  • Georgia and North Carolina 1st Home Advantage Mortgage
    If you qualify for an Georgia and NC Home Advantage Mortgage, you may be eligible for up to $8,000 in down payment assistance with the NC 1st Home Advantage Down payment. This down payment help has a complete forgiveness at the end of year 15 of occupancy.


    You may be eligible for Georgia and NC 1st Home Advantage Mortgage if:

  • You are a first-time home buyer
  • You have not owned a home as your principal residence in the past three years
  • You meet the income and sales price limits (Varies by county)
  • You are purchasing a home in Georgia or North Carolina
  • You occupy the home as your principal residence within 60 days of closing
  • Your credit score is 640 or higher
  • You are a legal resident of the United States

  • What properties are eligible?


  • Single-family homes
  • Townhouses
  • Condominiums





















  • Terms and conditions apply


    Firm License: # C-28306 NC

    Firm License: # H-76239 GA