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It should not be a problem for you to be living in New York and look for money to fix-up a home in Georgia. Real estate programs are for where your house is located and not where you are.
You may want to start by contacting your local housing counseling center for your town in Georgia. All centers are different, but most provide training for homebuyers and they should also know about some programs available that provide down payment and closing cost assistance. To find your local housing counseling office, read the following description and contact the office mentioned at the end. Call them up and ask them where you should go.
Your local housing counseling center is a non-profit organization that gets paid by the U.S. Department of Housing and Urban Development to help you find the money and help to purchase a home or to KEEP YOUR CURRENT HOME. They may not know every program available, but they are a very good place to check into. To find offices near you, contact the U.S. Department of Housing and Urban Development Housing Counseling Center Locator at 800-569-4287 http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm
Programs that are available from local governments and local non-profit organizations will take a little work on your part. The best place to start is by contacting your mayor's office and your local county government's office looking for real estate programs and you should also contact your local public library. Every public library has reference librarians that can help you search for these local sources. If you want to search the web for them a good starting place is www.govengine.com. All local governments are identified here. Just click on your state when you get to the state page and look for a listing of cities.
You now have access to the best information available on which housing programs are available in your area. How much you get from these programs is a function of how much work you put into researching these programs.
You are probably tired just from reading this, and you haven't even started any of the real work yet. That's the problem with life nowadays. It's a lot bigger and complicated than it used to be. When I grew up in the 50s there used to be just one place to turn to for help, and that one person seemed to know it all. Now times have changed. No one person knows everything anymore. Life's become so complex. Even I, who has been studying money programs for over 25 years, and am likely to be the best one in the country at it, still don't feel like I know it all.
You can't trust a "no" answer anymore. "No" just means that they don't know anything. It seems that success in this world goes to those who don't take no for an answer and find a way to solve the problem no matter what the experts say. The experts are wrong too many times to trust them completely.
It's fun to continue to learn new sources of help and new skills for finding money. I always believe that the sources you identify this time and don't use will be of value to you some time in the future, but you just don't know it yet.
I hope our sources give you some help. Hang in there, it's a big world and there are lots of sources waiting to help you, but they won't come looking for you, you have to go looking for them.
Matthew LeskoEntrepreneur and Best Selling AuthorInformation USA, Incwww.lesko.com