As a Georgia first-time home buyer, you have lots of great resources available to you. The Peach State offers some assistance by way of homebuyer education courses and counseling. And, better still, you could be in line for cash assistance to help cover your down payment and closing cost needs. Mortgage lenders cater to first-time home buyers with low down payments, grant programs, and educational materials. For the first-time home buyer, finding the right mortgage can be quite a challenge. You will want to work with a lender that will give you the best rate, the right term, and the lowest closing costs, as quickly and efficiently as possible. Read all of 7 Requirements for First-Time Homebuyers