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ATLANTA — For many first-time homebuyers of moderate income their “dream home” is more often a pipe dream.

That was until CDC Federal Credit Union and the Georgia Department of Community Affairs joined to make first-time homebuyers’ dreams come true by offering the Georgia Dream Homeownership Program, which has targeted borrowers with moderate incomes and modest assets throughout the state. Benefits include the availability of a 100%, 30-year fixed-rate purchase money mortgage at a below market rate, no prepayment penalty and an assumable loan feature that allows the member to pass along the terms to a new buyer at the time of sale.

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