Special Home Buying Opportunity

Financing that could save eligible buyers thousands of dollars a year.

Specific Metro Atlanta homes qualify for a special home-buying program  a below-market fixed rate, no mortgage insurance, and up to 100% financing for eligible buyers. That can mean a lower monthly payment, and more home for the same budget.

First-time & repeat buyersNo income limitsPrimary residencesSelect eligible areas650 credit scoreOnly $500 of your own funds

Prefer to talk now? Call John directly at (404) 915-2589

Not every property qualifies. Financing is subject to lender approval and program guidelines. Wicker Realty Specialists is a real estate brokerage, not a mortgage lender.

Why buyers are paying attention

Six things that remove the most common barriers between buyers and the right home.

Up to 100% Financing

Eligible buyers may finance up to 100% on qualifying loan amounts up to $500,000.

Up to 90% Financing

On higher-priced homes, eligible buyers may finance up to 90% on loan amounts up to $832,750.

Below-Market Fixed Rate

A fixed-rate structure may be priced below prevailing market rates, subject to current program terms.

No Income Limit

Works for both first-time and repeat buyers, with no maximum household-income limit.

9% Seller Contribution

Sellers may contribute up to 9% toward your prepaid items, closing costs, or an interest-rate buy-down.

Close With as Little as $500

Some eligible buyers can get to closing with as little as $500 of their own funds.

See what better financing could change.

The difference is not just the down payment. A lower fixed rate with no mortgage insurance can meaningfully lower your monthly payment — so the same budget can reach more home.

Example: $500,000 home, 100% financed Traditional loan Special Program
Interest rate 7.00% 6.00%
Monthly principal & interest $3,327 $2,998
Monthly mortgage insurance $208 $0 — none
Total monthly payment $3,535 $2,998
You save $537 a month — about $6,444 every year that stays in your pocket, or buys you more home.

Illustrative example only — not a rate quote or a commitment to lend. Your actual rate, payment, and savings will vary with loan amount, credit, taxes, insurance, and program eligibility.

Eligible areas are tied to the home’s location.

The program is available for homes in specific eligible areas across Metro Atlanta, based on the 2026 FFIEC county maps. On each map, eligible areas are shaded in purple.

Forsyth County 2026 FFIEC eligible areas — shaded in purple

Forsyth County

Fulton County 2026 FFIEC eligible areas — shaded in purple

Fulton County

DeKalb County 2026 FFIEC eligible areas — shaded in purple

DeKalb County

Gwinnett County 2026 FFIEC eligible areas — shaded in purple

Gwinnett County

Important: A city or ZIP code may contain both qualifying and non-qualifying homes. Program eligibility must be verified by exact address.

This program is offered as a special-purpose credit program and is available only for homes in eligible census tracts within select counties — including Fulton, Carroll, Clayton, Coweta, DeKalb, Fayette, Forsyth, Gwinnett, Henry, Newton, Pickens, Rockdale, and Walton. County availability and eligible census tracts are set by the lender and subject to change; confirm current eligibility by exact address.

Here’s how we make it easy.

You don’t need to become an expert on tract maps or financing rules. That’s the point of working with us.

1

Tell us your target area

Share the cities, neighborhoods, price range and home features you want.

2

We identify potential matches

We cross-check homes against the program’s eligible areas so you only see homes that may qualify.

3

We connect the financing

If a home appears eligible, we connect you with the lending team to confirm program qualification and numbers.

4

We tour the right homes with you

Instead of searching blindly, we focus your time on homes that fit both your lifestyle and your financing.

See how much more home you can buy with better financing.

A lower monthly payment can mean more home for the same budget — sometimes even an extra bedroom. Get a curated list of homes that may qualify, or browse everything on the market now.

Or call John directly: (404) 915-2589

*Important financing disclosure: Savings examples are illustrative only and will vary based on purchase price, loan amount, interest rate, credit profile, taxes, insurance, and program eligibility. Not all buyers or homes will qualify. Program availability, rates, terms, loan limits, financing percentages, seller contributions, and other requirements are subject to change without notice. Wicker Realty Specialists, LLC (Georgia license 257940) is a licensed real estate brokerage and is not a mortgage lender, does not make credit decisions, and does not set loan terms. Financing is provided by an independent lending partner and is subject to lender underwriting and approval. Equal Housing Opportunity.

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