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Liberate your home hunt with income based incentives by Ivey Homes and our mortgage lender partners

June 14, 2024

Home Ownership is Yours with These Powerful Programs

Nothing Can Get in the Way of Your Home Ownership Dreams 

Smart buyers need smart partners to navigate today's tricky housing market. At Ivey Homes, we have you covered with builder credits towards closing costs PLUS the perfect partners to finance your home. Whether you could use a $0 down payment, up to $15k towards closing costs, competitive interest rates, or some combination of the above, we're confident the programs listed below will help you seal the deal on the perfect home for your future. 

Read below for more on these amazing benefits and how to qualify.

Prefer to start with a home, then a loan? Check out all our available quick move-in homes.

Be unstoppable with Ivey Homes- new home builder in GA and SC

GA Dream Veteran Assistance Peach Select Program

Who offers it: John Lindberg at Guild Mortgage


  • Competitive interest rate of 4.875% for qualified veterans
  • Can be combined with other local down payment assistance programs
  • Borrower only needs to contribute a minimum of $500
  • $4k seller credits towards closing costs


  • Available in the state of Georgia only
  • Minimum 640 credit score
  • Must be a first-time homebuyer unless purchasing in a targeted area
  • Income and purchase limits apply
  • Homebuyer education is required

Loan Officer Contact Info:

John Lindberg 843-333-7370

Apply at

Check out our Georgia communities for home-hunting inspiration!

Up to $15k in Down Payment Assistance from Security Federal

Who offers it: Andy Passmore at Security Federal


  • Available in Georgia and South Carolina for both first time and repeat homeowners
  • Funds can be used towards 
    • reducing principal
    • down payment
    • closing costs
  • Borrower only needs to contribute a minimum of $1k
    • can be in the form of a gift
  • No retention requirements
    • no need to record a mortgage or lien, and no minimum ownership period!
  • $4k seller credits towards closing costs


  • Income limits as follows:
    • Family of 2 in Richmond or Columbia County- $88,350 income limit
    • Family of 4 in Richmond or Columbia County- $110,400 income limit
    • Family of 2 in Aiken or Edgefield County- $83,325 income limit
    • Family of 4 in Aiken or Edgefield County- $104,170 income limit

Loan Officer Contact Info:

Andy Passmore 706-421-4700

Apply at Security Federal Bank Home Loans - Andy Passmore

Check out all our popular communities across both GA and SC counties!


Down Payment Forgiveness with Ameris

Who offers it: Russell Fernandes at Ameris


  • Up to $12.5k towards down payment and closing costs
  • 3% down
    • Forgiven at 20% per year
    • Year 5 it is fully forgiven making it a 0% grant
  • Borrower can sell the home before the full five-year forgiveness
    • In this scenario, appropriate percentage would be paid back
  • $4k seller credits towards closing costs


  • 680+ credit typically required for approval
  • Borrower must make 80% or less of area's median income
  • Borrower must contribute a minimum of $500 towards closing costs
  • Property must be primary residence
  • Area restrictions apply
  • Homebuyer education required

Loan Officer Contact Info:

Russell Fernandes 803-474-0440

Apply at Russell Fernandes - Ameris Bank Mortgage

Check out homes in your budget that are available now!

Workforce Housing Plus Benefits with Colony Bank

Who offers it: Bob Goodman with Colony Bank Mortgage


  • Up to $15k towards your new home purchase
  • Available to first time and repeat homebuyers
  • Can be paired with FHA, Conventional, USDA, or VA loans
  • $4k seller credits towards closing costs


  • Home must be your primary residence
  • Qualified buyers only- inquire for more information on how to qualify

Loan Officer Contact Info:

Bob Goodman 706-495-2460

Apply at Bob Goodman | Colony Bank

See all our quick move-in homes.

Palmetto Heroes Down Payment Assistance

Who offers it: SC State Housing Finance & Development Authority


  • Up to $12k in forgivable down payment assistance
  • Competitive interest rate
  • Can be paired with FHA, Conventional, or VA loans
  • $4k seller credits towards closing costs


  • Only available in South Carolina
  • Available to public service professions such as teachers, nurses and CNAs, first responders, correctional officers, and military/veterans

Loan Officer Contact Info:

Reach out to your lending partner and real estate agent to find out if they participate in this program

Check out our South Carolina communities now- they are filling up fast!

Pathway 100 Program with New American Funding

Who offers it: Charles Jimenez at New American Funding


  • Receive up to 100% financing- no income restrictions or first-time buyer requirements
  • Down payment assistance available for 3.5% or 5%
  • Assistance funds may be forgivable after five years
  • High balance loans available
  • $4k seller credits towards closing costs


  • Minimum FICO score of 620
  • Owner-occupied purchase transactions only

Loan Officer Contact Info:

Charles Jimenez 706-631-0391

Apply at Charles Jimenez | New American Funding

Liberate your future with Ivey Homes- new home builder in GA and SC

Liberate Your Future with Ivey Homes

Getting approved for a home loan that fits your current needs is a milestone worth celebrating. Make all that hard work worth it by choosing one of the best built homes in the Augusta River Region. Ivey Homes is proud to serve your family and your future. Take a look at all our available floorplans, quick move-in homes, and vibrant communities today!

Disclaimer: All loan types and programs require buyer to qualify for mortgage loan per individual lender guidelines. Lender guidelines, program requirements and rates are subject to change without notice. Ivey Homes incentives and home prices subject to change.

Ivey Homes is a leading new home builder in Evans, Grovetown, Augusta, GA, and North Augusta, SC, with townhome and single-family home pricing ranging from the $215,000’s to mid $500,000’s. For more information about living in or building a new home in Columbia CountyRichmond CountyAiken County, or Edgefield County, visit

Connect with Ivey Homes on our Facebook page and Text: IVEY to 77848 for convenient updates.

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