The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! It takes more than a down payment and a job to buy a house the right way. Without good income, excellent credit, and a reasonable down payment, you cannot easily qualify for a mortgage loan from a bank or other conventional lender - which means you should probably wait before buying a house. While there are some legitimate options for non-qualifying homebuyers, there are also a lot of scam artists hunting for big down payments who will attempt to lure you into a home purchase trap. It is preferable to save your money, establish your credit and qualify for a legitimate mortgage loan rather than dive in before you're ready.
The U.S. Department of Housing and Urban Development (HUD) has a website with various resources for Georgia consumers regarding buying/owning a home.
Homeownership: Georgia (HUD)
Nine Steps to Buying a Home (HUD)
Other Resources: