ANDP Veterans Program
ANDP has designed a special initiative to meet the housing needs of Veterans in our region. Our Veterans Program, offers safe, newly renovated homes priced affordably. down payment assistance to qualified buyers. See full program details below.

Quick Links

  • See the available homes HERE
  • See our approved lenders HERE
  • Learn more about homebuyer assistance to veterans HERE
  • See the Veterans Program Guide HERE
  • Text ANDPVET to 22828 to get on our email list.
  • Or sign-up HERE to get on our email list.

Program Overview
To qualify for the ANDP Veterans program, buyers must meet the following qualifications.

  • Be Honorably Discharged, Active military, Reservist, Guard Member or Gold Star family member,
  • Must qualify for a mortgage by an approved lender,
  • Must not own another home,
  • Must make purchased home primary residence,
  • Buyer NOT required to be a first-time home buyer,
  • Complete a HUD-approved home buyer education course,
  • Meet income qualifications based on HUD Income Limits* 

See the table below for the maximum income allowed, based on the number of individuals in the household. Note that income limits include all household income combined.  Veterans Program guide.

Program Benefits
Homes in the program are reserved specifically for Veterans, Active Duty and Gold Star Family members.

  • Homes are priced affordably for families at or below 120% Area Median Income.
  • Homes are fully renovated and move in ready.
  • Veterans purchasing a home through ANDP’s Veteran Program will also receive homebuyer assistance in the amount of 10% of the price of the home.

Approved Lenders for ANDP Veterans Program

Veterans interested in purchasing a home through the ANDP Veteran Program are required to use one of our approved lenders. Below is a current list of our approved lenders. Additional lenders may be added in the coming weeks.

Ameris Bank 
Lattice Hardwick
Sr. Mortgage Banker
Phone: 770-577-1882  Fax: 404-601-9948

Bank of America 
John Gay
Mortgage Loan Specialist
NMLS ID: 544335
Phone: 678-987-4986 Fax: 1-866-409-9253

First Option Mortgage, LLC
Kathleen Ricketts
Loan Originator
NMLS ID: 123411
Phone: 770-423-8200
Fax: 914-662-0528

Homestar Financial Corporation
Kimberly Johnston
Branch Manager/Mortgage Loan Originator
NMLSR ID: 222894 
Phone 678-552-3623 Fax 1-866-305-9739

RBC Bank (Georgia) N.A.
Keisha D. Harris
Real Estate Lending
NMLS ID: 1063166
Phone: 404-780-3769

NFM Lending
Bonnie L. Stewart, Branch Manager, Senior Loan Originator
NMLS ID: 371716 GA# 12848
Phone: 678-248-3685 Fax: 678-248-3503


ANDP Veterans DPA Application (Required at time of offer)

ANDP Veterans Program Overview (PowerPoint)



*HUD Household Income Limits
# In Household  



















*HUD Income Limits change on an annual basis. Limits above are effective December 18, 2013 for 2014.


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