1

The First Time Homebuyer Program is part of the Florida Housing Finance Corporation whose mission is to

increase affordable housing opportunities. The First Time Homebuyer Program makes purchasing a home affordable for

low-to-moderate income families and individuals by offering fixed, low-interest rate mortgage loans. There is also an

opportunity to offer down payment and closing cost to assist edible buyers. The First Time Homebuyer Program is

looking to change its perception of its program by potential applicants.

Research has shown that African- Americans who attend church are more likely to participate in a workshop

about purchasing a home. A little over half of them have actually said they would use a program that provided financial

assistance in purchasing a home. The First Time Homebuyer Program has to provide information about the program

that encourages potential applicants to participate in the program. The research has shown that there is a certain idea of

what type of person would use the program. This campaign book proposal has been prepared to introduce to initiatives

and tactics that the Florida Housing Finance Corporation can use to propel the program forward.

There are several strategies proposed to engage the target market to participate in the First Time Homebuyer

Program. The new communication strategies will low the program to reach more people effectively. The proposed

tactics will help the program solve its problem and change its perception to the public.

2

First Time Homebuyers Program issue is the way the program is perceived. The First Time Homebuyer Program wants

to expand their audience beyond only minorities with very low- income.

a. What does the research reveal as the typical demographic of First Time Homebuyers Program?

b. What is the average income of an applicant for The First –Time Homebuyer Program?

c. What does the research reveal as a key factor most people consider before their first home purchase?

d. Do Leon country residents prefer to rent rather than own property?

e. How do potential first time homebuyers research governmental programs that offer financial assistance.

3

Hill, Octavia L., Gladys G. Shelton. “First- Time Homebuyers Programs as an Impetus for Change in Budget Behavior. “

Association for Financial Counseling and Planning Education,

(1995),http://6aa7f5c4a9901a3e1a1682793cd11f5a6b732d29.gripelements.com/pdf/vol69.pdf (accessed January28,

2011).

The purpose of this study is to determine whether participation in a First-Time Homebuyers Educational Program affects budgeting behavior of program participants. The program was created to assist low to moderate income households in becoming homeowners by providinginformation on budgeting and all aspects of selecting, purchasing, and maintaining a home. The key words used find this article budgeting behavior, first- time homebuyers and low income. Association for Financial Counseling and Planning Education

Kingsley, Thomas G., Magery Austin Turner. “ Federal Programs for addressing low- income Housing Needs A Policy Primer.” The Urban Institute, (December 1, 2008), http://www.urban.org/UploadedPDF/411798_low-income_housing.pdf(accessed January 28, 2011)

Federal housing assistance only serves about one of every four eligible households, and an estimated 12.4 million low-income renters face serious housing problems without any assistance. The article addresses the target market of low- income families searching for federal programs to purchase homes.

Lerman, Robert I. “Renters A Key to Housing Market.” The Urban Institute, (February 27,2009),

http://www.urban.org/url.cfm?ID=1001254&renderforprint=1 (Accessed January 28, 2011)

If Congress and the Obama administration want to encourage housing demand without breaking the government bank, says Institute Fellow Robert Lerman, they should allow low-income recipients of rent subsidies to buy homes and use their subsidies to help pay the monthly mortgage, tax and insurance costs. The Urban Institute is nonpartisan economic and social policy research. This article explains how renters effect the housing market.

4

Joint Center for Housing Studies of Harvard University. “The Disruption of the Low Income Housing Tax Credit Program: Causes, Consequences, Responses and Proposed Correctives (December 2009), http://www.jchs.harvard.edu/publications/governmentprograms/disruption_of_the_lihtc_program_2009.pdf (Accessed January 28, 2011)

The What Works Collaborative is a foundation-supported research partnership that conducts timely research and analysis to help inform the implementation of a forward-looking housing and urban policy agenda. The article explains the effects causes, consequences of the tax credit on the nation. The article addresses the opponents of first time homebuyer programs.

Schootman, Mario, Elena M. Andersen, Fredric D. Wolinsky, Theodore K. Malmstrom, Philip

Miller, Douglas K. Miller. “Neighbourhood environment and the incidence of

depressive symptoms among middle-aged African Americans.” Journal of Epidemiology and Community Health

(1979- )Vol. 61, No. 6 (June 2007): 527-532http://www.jstor.org/stable/40665839

The article explains how neighborhoods with adverse characteristics have a direct effect on the mental health

of its residents.. My research was conducted at Florida State University using the JSTOR database. The Journal of

Epidemiology is an international journal dedicated to theoretical issues.

Brown, Audrey Lawson. “Afro- Baptist Women’s Church and Family Roles: Transmitting

Afrocentric Cultural Values. .” The George Washington University Institute for Ethnographic Research, Vol. 67,

No. 4 (Oct., 1994): 173-186http://www.jstor.org/pss/3317417

Audrey Brown research African- Americans role in the Floridian Baptist church. The research explains how that gender- defined role transcends into the belief and practices of African American women. The journal was found in the JSTOR database at the Florida State University Library.

5

● The Tallahassee Lenders’ Consortium, Inc.

The Tallahassee Lenders’ Consortium Inc. is a non-profit organization whose mission is to improve people’s ability to obtain safe, decent affordable housing. We know that in order to buy a home, people need education, information and access to affordable financing, and affordable housing options. The Tallahassee Lenders’ Consortium, Inc. Provides information and education regarding credit counseling and the process of purchasing a home to low - income and very low income families. They are a strong competitor because they are based in Tallahassee, Florida. The Tallahassee Lenders Consortium, Inc. contributes to the community through showcases and educational classes. They have better publicity than the First- Time Home Buyers Program.

● Georgia Dream Homeownership Program

The Georgia Dream Homeownership Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed; low-interest rate mortgages loans. Georgia’s program is a strong competitor for First Time Homebuyer Program because the homes offered are bigger than the homes offered in Florida. Georgia homeowners are able to acquire more homes for their loan amount.

● California Housing Finance Agency Authority

For 35 years, the California Housing Finance Agency (CalHFA) has supported the needs of renters and first-time homebuyers by providing financing and programs that create safe, decent and affordable housing opportunities for low and moderate income Californians. Established in 1975, CalHFA was chartered as the State’s affordable housing bank to make low interest rate loans through the sale of tax-exempt bonds. A completely self-supporting State agency, bonds are repaid by revenues generated through mortgage loans, not taxpayer dollars. The California Housing Finance Agency's program is the weakest competitor for First Time Homebuyer program. The standard of living in California is substantially more than Florida.

6

0.00

10,000.00

20,000.00

30,000.00

40,000.00

50,000.00

60,000.00

70,000.00

First Time HomeBuyers

Georgia Dream HomeOwnership Program

California HousingFinance Agency

Tallahassee LendingConsortitum

50,000.00

68,000.00

47,300.00

53,400.00

Inco

me

Competitors

Minimum Income Requirement

Minimum Income

This illustration displays the range between the minimum incomes required for all

applicants of first time homebuyer programs that are competitors of the First Time

Homebuyer Program.

7

Internal Environment

There should be more employees delegated to the success of the First Time Homebuyer Program. The addition of new

faces to the program will bring a new perspective to the program.

Niche

The programs niche is the benefit is having access to many eligible applicants.

Performance

There should be more exposure of the First Time Home Buyers Program to all publics. The program’s services and

performance needs to be exposed beyond the company website.

Structure

There is not adequate information available about the program that is appealing to the target market. The materials

should clearly define the mission and vision of the program

8

Supporters

The supporters of the First Time Homebuyer Program are the local churches and the local banks of Tallahassee, Florida

Competitors

The First Time Homebuyers Program has local, regional and national competitors. The local competitor is the

Tallahassee Lender’s Consortium, Inc. The regional competitor is Georgia Dream Home Ownership Program. The

national competitor is California Housing Authority.

Opponents

Opponents to First Time Homebuyer Program tax credit argue it is a federal government hand- out that the nation

cannot afford

External Impediments

The current environment of the program steady considering the housing market. The target market will have to deal with

a slow economy and high unemployment rates which may directly affect their chances of being approved for a fixed

mortgage loan.

9

● Visibility

There program should increase visibility and articulate services so that the target market can relate to the

program

● Reputation

The program needs to establish a reputation amongst the community. The program should establish a brand

in the community as the leader in fixed mortgage rate loans for people looking to purchase their first home in

Tallahassee, Florida.

10

Greetings! I am Ricquel Jackson a senior public relations student at Florida A&M University. I am conducting this survey for my Public Relations Campaigns course. My assigned client for the semester is the Florida Housing and Finance Corporation, and I am researching the First Time Homebuyer Program. The survey results will be used to help develop a strategic plan for the program. The survey will take 5 minutes and your answers will remain anonymous. Thank you for your time and support.

Demographic Data

1. What is your gender?

Male Female

2.Please circle your age range.

18- 24

25- 35

36- 45

46- 60

60 – Above

3. What is the highest level of education you completed?

Elementary school only

Some high school, but did not finish

Completed high school

Some college, but did not finish

Currently enrolled in an undergraduate program

Two-year college degree / A.A / A.S.

Four-year college degree / B.A. / B.S.

Advanced Graduate work or Ph.D.

4. What do you expect your gross (before taxes) 2011 family income from all sources to be?

Under $24,999

$25,000 - $39,999

$40,000 - $49,999

$50,000 - $74,999

$ 75,000- Above

11

5. Please circle the category that best describes your ethnicity.

American Indian / Native American

Asian

Black / African American

Hispanic / Latino

White / Caucasian

Pacific Islander

6. Are you currently renting?

Yes No

7. Do you own your place of residence?

Yes No

Public Perception

8. Indicate your employment status. Are you currently...?

Employed outside the home and earning wages

Self-employed

Unemployed and currently looking for employment

Out of work but not currently looking for work

Retired

Unable to work

9. Have you ever heard of First Time Home Buyer Program?

Yes No

10. Have you ever visited the First Time Homebuyers online website at http://www.floridahousing.org/?

Yes No

If you answered yes please skip to 10a. If you answered no please skip to Question 11.

10a. Did the website provide clear information about the program? Yes No

11. Do you know of any state funded programs that provide assistance to first time home owners?

Yes No

If yes, please explain ________________________________________________________________

If you answered No, Please skip to Question 12.

12

12. If you were looking to purchase a home today, would you consider seeking information from a government

program that helps first time homebuyers?

Yes No

If you answered No, explain why_________________________________________________________

If you answered Yes, please skip to question 13

Psychographics

13. How much time do you spend on the internet each day?

0-1 hour

2- 4 hours

5- 10 hours

10 or more hours

Please read each statement carefully and respond to it by expressing the extent to which you believe the

statement describes your personality, your beliefs and your preferences.

Strongly

Agree Agree Neutral Disagree Strongly

Disagree

14. My socioeconomic status is

important to me.

15. I think my elected officials make the

best decisions for me.

16. Financial security is very important

to me.

13

Communication Habits & Awareness/ Acceptance/ Action

17. Do you plan to purchase a house in Florida within the next four years?

Yes No

18. Which of the following sources would you consult for information on purchasing a home?

Banker Family Member who is a home owner Church

Realtor Friends who are homeowners Home Buying Workshops

Other _________________________________________________

19. Based on your knowledge of the First Time Homebuyer Program, which of the following income levels is

eligible for the First Home Buyer Program?

Under $25,000

$25,000 - $39,999

$40,000 - $49,999

$50,000 - $74,999

$ 75,000- Above

20. How often do you read the newspaper?

Once a week

2- 4 days a week

Weekdays

Weekends

Everyday

I do not read the newspaper

21. How long have you been using the internet?

Less than 6 months

6 to 12 months

1 – 3 years

4 or more years

I do not use the Internet

14

22. Do you have an email account?

Yes No

If yes, how often do you check your email? If no, skip to question 22.

Everyday

2- 5 times a week

Once a week

24. I am informed about state funding for homeownership in Florida.

Strongly disagree Disagree Neither agree or disagree

Agree Strongly Agree

25. Are you aware of government grants to purchase a first home?

Yes No

26. Would you visit a website that informed you about homeownership for low- income citizens in Florida?

Yes No

27. Are you aware that Florida will offer assistance in purchasing a home if you earn a certain income?

Yes No

28. Would you take a class about homeownership if it could help you purchase a home?

Yes No

15

17%

28% 30%

25%

Age

18-25

25- 35

36-45

46- 60

60- up

The surveys were distributed at majority minority churches. I will target potential surveyors who fit the target market. I

will also research if the church offers and self-help workshops or home buying workshops. Many churches offer

ministries for new couples or newlyweds which is an ideal target market for First Time Homebuyer Program.

Gender

Male 27

Female 23

Age

18-25 8

25- 35 13

36-45 14

46- 60 12

60- up 2

54%

46%

Gender

Males

Females

Women were more likely to stop and

answer questions about the

household.

25-35 age range is most

influential in because they are

seeking guidance through

workshops and ministries. This

range is most active in self- help

16

8%

16%

52%

24%

Education

Enrolled inUndergraduatedegree program

2- Year Degreeearned

4- year degreeearned

The majority of the survey takers earned a 4- year degree

Highest level of education

Enrolled in Undergraduate degree

program

4

2- Year Degree earned 8

4- year degree earned

26

Master's Degree Earned 12

Survey takers who obtained a 4- yr.

degree showed interest in learning

how to own a home

17

18

•Low to moderate income families who are searching for their first home in Florida Customers

•Churches or support groups that offer first time home buying workshops

Producers

•Realtors, Bankers and financial analyst would serve as enablers to the First Time Home Buyer Program

Enablers

•Tax payers who don’t agree with the tax credit assisting low- income families to purchase homes.

Limiters

19

The stage of development for my target public is aware. The target public understands that the issue is relevant but does

not understand what action to take on the issue. .

Key Characteristics

● Public Relations Situation

○ The public wants to satisfy Maslow’s level of safety needs which includes shelter and economic stability.

The public wants to know about the information that the client, First Time Homebuyer Program has to

offer but does not have access to resources or information.

● Organization

○ The key publics’ relationship with the client is not strong. The client has to develop a relationship with the

key public. The client has not reached out to the public and provided them with information about the

program through social media, workshops or advertisements.

● Communication Behavior

○ I believe the publics’ communication habits are not extended past what is provided through the news or

newspaper. I do no believe they are searching the Internet for information about the client. Local city

activist and church leaders may serve as credible message sources for the public.

● Demographics

○ The demographics of the target market are African- Americans who attend church between the ages of 18-

60 with an income between $20,000- $40,000

● Personality Preferences

○ This is an emotional group, with some members having a preference for messages that are factual, logical

and reality based, while others prefer messages focused on ideas, sentiment and vision.

20

My target public is African- Americans between the ages of 22- 60 who attend predominately African American

churches and interested in purchasing their first home.

I believe that many opinions are shaped in the church. Minorities seek education, financial advice and self improvement

workshops in the church. First Time Homebuyers will be able to reach a market that is seeking information about

homeownership.

The First Time Homebuyers Program benefits my public by offering them fixed mortgage loans at low rates for African

Americans with low- moderate incomes. Through unique partnerships with local black churches the program provided

personalized assistance to those seeking help in purchasing their first home.

21

The most effective communication is based on the rational appeal of the message. The target public needs to know that

the First Time Homebuyer Program is the best choice for all minorities to purchase their first home with down payment

assistance. The First Time Homebuyer Program should persuade their public by appealing to logic and reason.

Proposition

The factual preposition states that something exists, based on provable and physical evidence. Factual claims are

often linked with communication and seek to increase attention or build greater understanding. The First Time

Homebuyer Program must present facts about the program that are appealing to the target public. The presentation of

facts should be appealing to the target public through strategic avenues of communication.

Testimonies

The target public may be able to relate to the program if they were able to relate to others who successfully went

through the program. A testimony can provide effective verbal communication. Testimonies can take the form of letters

or other statements of support from satisfied customers.

22

The ideal position for The First Time Homebuyers Program is to be known as the number one choice for minorities in the state of

Florida as aid in purchasing a first home. Though this goal has not been met, The First Time Homebuyers program has the resources

to meet their goal.

● To have an effect on the awareness of African- Americans who attend predominately black churches in

Tallahassee, Florida. Specifically to increase the knowledge of the First Time Home Buyer Program’s down payment

assistance and fixed mortgage loans. (40% of the public by October 1, 2011)

● To have an effect on the acceptance of minorities who are purchasing their first home in Florida, specifically to

increase their participation in the program. (30% of the public by August 1, 2011)

● To have an effect on the action of African American church members, specifically to increase the request of

services from the Florida Housing Finance Corporation First Time Homebuyer Program.

23

24

Action Strategies

Strategy #1 Audience Participation

The First Time Homebuyers Program does not use strong two- way communication tactics to engage the

audience. Ron smith explains that a way to foster audience participation is through generating feedback.

This will allow visitors to get a better understanding of the program through post that are less formal. The

blog will also allow the First Time Homebuyers program to gage the knowledge and position of its public.

A blog will allow the First Time Homebuyer Program to interact with the public and through responses to

certain post hits to the website gauge how many people are interested in the program.

The blog will be titled Get H.I.P (Home Investment Program). The web blogs name appeals to my target

market. Once they can identify and associate a name to the blog they will be more inclined to use the

blog site.

Strategy #2 – Special Event

A staged event will help the program gain exposure with the target publics. To change the perception of

the program, the target market must first become aware of the program and its services. The First time

Homebuyer Program special event will encourage interaction and potential media attention. The

Tallahassee Dream Street is an interactive event to allow the target market to see the services provided

to applicants. A special event that will generate action among key publics is to host a tour of houses that

would be eligible to applicants of the program. This event will interest potential applicants and help them

understand what the program can offer to clients.

25

Strategy #3- Alliance and Coalition

An alliance tends to be a formal, loosely structures, and perhaps small working relationships among

organizations

The First Time Homebuyer Program should form an alliance with local churches in Tallahassee, Florida.

Many churches offer self- help ministries such as;

• Newlywed Ministries

• Collegiate Ministries

• New Member Ministries

• Family Ministries

These different ministries have members who may be great candidates for the First Time Homebuyer program.

This alliance will forge a relationship with people who share similar interest.

Strategy #4- Organizational Performance

Organizational performance ensures that the organization is working at its highest possible level of quality for its

customers.

The First Time Homebuyers Program needs to practice the principle of adaptation. The program needs to

change the way the program is presented to potential applicants. There needs to be updates to the website to

allow visitors to understand the benefit of the program the current website has very limited information.

Employees should communicative the works of the organization with the target market.

26

Communication Strategy

Strategy #1

Conduct a news interview with the local news stations. This will garner exposure of the program

to viewers who may use word of mouth to spread the message of the program. The interview

should be conducted by an employee of the First Time Homebuyer Program who is

knowledgeable of the program and whose appears relatable to both the target market and

viewers.

Strategy #2

Release news releases to the local media to encourage the target market to apply for the First

Time Home Buyer Program. The News releases will not only reach the target market but it would

also inform the client’s audience which may use word of mouth about the program.

Strategy #3

Develop a community relations media campaign to reach the target market, but who would not

respond to traditional marketing of purchasing a first home. Research supported using social

media and the internet as primary sources of communication.

27

Tactics

Interpersonal Communication

● Housing Convention

Workshops with churches

Local business provide insight to housing

● Spring Time Tallahassee Parade

Float or Sponsorship

● North Florida Fair

Booth or Sponsorship

● Sporting Event

College Football Games

Banners

● Commercial on Jumbo Tron

● Best & Brightest of Tallahassee Scholarship – honoring students dedicated to their education and

committed to their community

● Students from every high school eligible to participate

8th grade essay contest

● Church Fans

Organizational Media

● Newsletters

Distributed to churches

Target market universities

● Grocery stores

● State funded agencies

Department of Education

Dep0artment of Children and Families

28

● FACT Sheet

To change perception you need to inform target market

Presentation of facts and FAQ about organization

Digital Media

● Website

Dedicated to the program

Include information about the program

RSS Feeds

Twitter

Facebook

Blogs

● News Media

● News Interviews

-WCTV Interviews segment

● Guest Editorial

Opinion piece in local newspapers

Create awareness about issue

Directly address the client’s issue of perception

● Radio

96. 1 (6am – 7pm)

102.3 (3pm- 7pm

90.5 (6am- 10am)

Social Media Tactics

29

● Blogs

o Home Investment Program ( H.I.P.) blog

● YouTube

Videos of events

Homes eligible for purchase

Tips on how to purchase a home

Webisodes

30

Budget

Tactics #1:

Billboards

Lamar Advertising

Permanent Bulletin ( 4 weeks)

$1,975 -$0- $1, 975

Subtotals : $1,975 $0 $1,975

Tactics #1 : TOTAL $1,975

Tactic #2 :

Radio Advertisement

Cummulus Radio Advertisement

96.1 WHBX ( 6am- 7pm) 30- sec @ $230

102.3 WWLD (6am- 7pm) 30-Sec @$230

90.5 WANM (6am- 10am) 30- Sec @150

$610 -0- $610

Subtotals : $610 $0 $610

Tactics #2 : TOTAL $610

Tactic 3:

News Interview

WCTV News Interview -0- -0- -0-

Subtotals : $0 $0 $0

Tactics #3: TOTAL $610

Tactics #4

Capital Outlook Advertising

Capital Outlook Advertising $145 -0- $145

Subtotals : $145 $0 $145

Tactics #4: TOTAL $610

Tactic #5

High School Scholarship

1st Place Scholarship Winner $1000 -0- $1000

2nd

Place Scholarship Winner $500 -0- $500

3rd

Place Scholarship Winner $250 -0- $250

Subtotals : $1750 $0 $1750

31

Tactics #5 : TOTAL $1750

Tactic #6

Electronic Email Blast

Email Blast:

State Employee Database

Email Sent to state employee database

Compensation@ $30 / hour X 2hours

$60 -0- $60

Subtotals : $0 $0 $60

Tactics #6: TOTAL $60 $60

Tactics #7

Tallahassee Democrat Guest

Editorial

Tallahassee Democrat article

PR Specialist drafting guest editorial

Compensation @ $45/ hour x 1= $45

$45 -0- $45

Subtotals : $45 $0 $45

Tactics #7 : TOTAL $45

Tactic #8

YouTube

YouTube Channel

Filming videos for channel

Compensation @ 30/ hour x 12 = 360

$360 -0- $360

Subtotals : $360 $0 $360

Tactics #8: TOTAL $360

Tactic #9

Web Banner

Email Blast

Graphic Designer ( $150)

$150 -0- $150

Subtotals : $0 $0 $0

Tactics #9 : TOTAL $150 $150

Tactics #10

Workshops

Supplies Needed:

Note Pads ( 5- 3pks @$6.09 ea) = $30.45

Pens (10 dozen ct packs @ $1.30ea) = $13.00

Nametags ( 1 – 100ct @ $4.19= $ 4.19

$ 47.69 -0- $ 47.69

32

Subtotals : $273 $0 $47.69

Tactics #10: TOTAL $47.69

Tactic #11

Newsletters

Printing Cost:

2000 Newsletters “8 ½ x 11” @ .43 ea= $ 650

$650 -0- $650

Subtotals : $650 $0 $650

Tactics 11: TOTAL $650

Tactic # 12

Promotional Hand Fans

Custom Hand Fans

1000- (10”x15”) fans for $0.50= $500

$500 -0- $500

Subtotals : $273 $0 $273

Tactics #12: TOTAL $273

Tactic #13

Newsletters

Printing Cost:

2000 Newsletters “8 ½ x 11” @ .43 ea= $650

$650 -0- $650

Subtotals : $273 $0 $650

Tactics #13: : TOTAL $650

Tactic #14

Promotional Hand Fans

Custom Hand Fans

1000- (10”x15”) fans for $0.50= $500

$500 -0- $500

Subtotals : $273 $0 $500

Tactics #14 : TOTAL $500

Tactic #15

Twitter Chat

Twitter Subscription $0 -0- $0

PR Specialist conducting Twitter Chat

Compensation: $30/ hour x 3 hrs = $90

$90 -0- $90

Subtotals : $90 $0 $90

Tactics #15 : TOTAL $90

33

Tactic #16

Facebook

Facebook Group

www.socialoomph.com subscription

$27.97 per month x 12 months

$335.64

-0- $335.64

Subtotals : $335.64 $0 $335.64

Tactics #16 : TOTAL $335.64

Tactic #17

Community Event Participate

( i.e. FAMU Homecoming Parade )

Entry Fee

$100 per organization

$100 -0- $100

Car Rental

University Cadillac Escalade Rental

-0- $250 -0-

Subtotals : $0 $250 $0

Tactics #17 : TOTAL $100

Grand Total $7696.33

34

35

Tallahassee Lenders Consortium. Web. 06 Feb. 2011. <http://tallahasseelenders.org/tlc/about.shtml>.

"CalHFA - About Us." California Housing Finance Agency. Web. 06 Feb. 2011. <http://www.calhfa.ca.gov/about/>.

"Georgia Dream Homeownership Program." Georgia Department of Community Affairs (DCA) Home Page. Web. 06 Feb. 2011.

<http://www.dca.state.ga.us/housing/homeownership/programs/GeorgiaDream.asp>.