According to the Census Bureau, Griffin, Georgia has fewer than 25,000 people. You would likely be eligible for USDA financing, which requires zero down and was created especially for people with very low incomes. Under the Direct program, you borrow from the government and may get a subsidized mortgage rate as low as 1 percent. If your income is higher than the max for the Direct program, you may apply under the Guaranteed program, in which the money comes from private lenders but the loan is guaranteed by the USDA. To qualify, in most (but not all) cases you need a credit score of at least 640. But if you have no credit score, you'd still be eligible.
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