There is still a 100% financing program available to buyers (first time or other) through USDA Rural Development.  This loan program has no monthly mortgage insurance and has requires no down payment, cash contributions or cash reserves from the borrower. 

If the borrower doesn't have a traditional credit history, non-traditional credit may be used - like landlord and utility payment references.  There is no minimum credit score required on some USDA loans and the loans are 30 year fixed rate loans. 

New homes in The Plantations starting from the $150,000's  and new homes in the Cottages from the $130,000's are located in the USDA approved area of Glynn County. See a lender for more information on USDA loan or visit their website online at http://www.rurdev.usda.gov. 

Golden Isles Blog

The Plantations At Golden Isles