Government
VA Purchase 100% Financing in Dunwoody, GA
What is a VA Purchase 100% Financing? VA Purchase 100% Financing is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Dunwoody, GA.
Custom Mortgage arranges VA Purchase 100% Financing financing in Dunwoody, GA and across DeKalb County. DeKalb County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in DeKalb County at $357,800, $474,950 below that one-unit limit.
Median household income there is $80,644 and 59% of homes are owner-occupied (Census ACS 2024).
Key Facts About VA Purchase 100% Financing
CMRE VA loans require zero down payment for eligible veterans.
VA loans from CMRE have no private mortgage insurance requirement.
CMRE VA mortgages offer competitive interest rates below conventional averages.
VA loans at CMRE accept FICO scores starting at 580.
CMRE VA IRRRL streamline refinance requires no appraisal or income verification.
CMRE is an approved government lender for VA Purchase 100% Financing.
CMRE offers VOE-only and P&L options for VA Purchase 100% Financing.
CMRE closes VA Purchase 100% Financing in 25-35 days.
Program Benefits
100% Financing: Purchase a home with no down payment required.
Competitive Interest Rates: Potentially secure a loan with competitive rates.
No Private Mortgage Insurance (PMI): Save money each month without the added cost of PMI.
Streamlined Application Process: CMRE's expert team simplifies the loan process for veterans.
Flexible Credit Requirements: Approvals available with a minimum FICO score of 580.
Assumable Loan: In many cases, VA loans can be assumed by qualified buyers, potentially offering a valuable benefit when selling your home.
Program Highlights
Max LTV
96.5%
Min Credit Score
580
Max DTI
55%
Loan Amount Range
$100K - $2M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
Program Requirements
Income Documentation
- •Stable and verifiable income history.
- •Debt-to-income ratio that meets VA guidelines.
- •Proof of sufficient income to cover mortgage payments, property taxes, and insurance.
Asset Verification
- •Sufficient funds to cover closing costs.
- •Verification of assets through bank statements or other documentation.
- •Demonstrate responsible financial management.
Insurance & Title
- •Proof of homeowner's insurance coverage.
- •Flood insurance may be required depending on the property's location.
- •VA requires properties to meet certain safety and habitability standards.
Property Requirements
- •Minimum FICO score of 580.
- •Demonstrate a history of responsible credit management.
- •No recent history of bankruptcy or foreclosure.
- •CMRE can help you understand and improve your credit score if needed.
VA Purchase 100% Financing in Dunwoody: The Complete Guide
What Is VA Purchase 100% Financing?
VA loans are a fantastic benefit earned through service to our country. Eligibility generally includes veterans, active-duty military personnel, and eligible surviving spouses. Specific requirements may vary based on length of service and other factors. CMRE can help you determine your eligibility and guide you through the necessary documentation process.
Eligibility for VA Purchase 100% Financing
- •Eligibility depends on the specific agency requirements (FHA/VA/USDA).
- •FHA: primary residence, meets HUD property standards, 580+ FICO (500 with 10% down).
- •VA: eligible military service or surviving spouse status, no down payment.
- •USDA: eligible rural area, income limits apply.
- •CMRE evaluates your situation and recommends VA Purchase 100% Financing or alternatives with lower total cost.
CMRE Specialty Programs for VA Purchase 100% Financing
- •VOE-Only FHA: qualify with employer verification only — no pay stubs or tax returns.
- •P&L FHA: CPA-prepared profit & loss for self-employed qualification.
- •FHA Streamline: refinance with no appraisal, no income verification.
- •VA IRRRL: streamline refinance for veterans with minimal documentation.
- •CMRE processes government loans faster than industry average.
Apply for VA Purchase 100% Financing with CMRE
- •Step 1: CMRE determines eligibility and provides rate estimate.
- •Step 2: Documentation varies by program (standard, VOE-only, or P&L).
- •Step 3: Pre-approval within 24 hours.
- •Step 4: Government appraisal and underwriting coordinated by CMRE.
- •Step 5: Closing in 25-35 days from application.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in DeKalb County
$1,683/mo
Based on $310,505 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in DeKalb County
$2,173/mo
Based on $310,505 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
DeKalb County at a glance
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $357,800
- Source: Census ACS 5-year, 2024
- Median household income
- $80,644
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 59%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.4
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: DeKalb County
Source: Redfin · 2026-01-31Median Sale Price
$310,505
Median List Price
$349,250
Price / Sq Ft
$172.72
Days on Market
76
Active Listings
2,686
Homes Sold
460
Sale-to-List Ratio
96.9%
2026 Conforming Loan Limits: DEKALB
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
VA Purchase 100% Financing in Dunwoody, GA
DeKalb County is generating the most contrarian data point in our Georgia coverage: prices are up 1.6% year-over-year to a median of $310,505, while nearly every surrounding Atlanta-area county is flat or negative. That positive momentum reflects genuine value recognition — DeKalb is the most affordable county with direct MARTA access, which matters increasingly to transit-oriented buyers and investors. With 2,686 active listings and a 76-day median days on market, the market has reasonable depth without oversupply.
The renovation investment case is strong in DeKalb. Neighborhoods like Decatur, Tucker, and Stone Mountain have significant housing stock from the 1960s-1980s that is being systematically upgraded by owner-occupants and investors alike. FHA 203k renovation loans are among the highest-volume products we originate in DeKalb — the program allows buyers to finance both acquisition and renovation costs in a single loan, which is structurally well-suited to the county's older inventory profile.
DeKalb County's buyer mix includes young professionals priced out of Fulton County's core, first-time buyers attracted by relative affordability, and investors executing BRRRR strategies on older inventory. The county's significant higher-education presence — Emory University, Georgia State University Perimeter College, and Agnes Scott College — generates a steady pipeline of faculty and administrative employee buyers. FHA and DPA loan programs are proportionally more active here than in neighboring Cobb or Fulton.
Use FHA 203k to finance acquisition and renovation in one close — DeKalb's older housing stock and relative affordability make it one of the strongest renovation lending markets in metro Atlanta.
Service Areas & Neighborhoods
Our Dunwoody Presence
Local Knowledge. Global Rates.
3344 Peachtree Rd
Atlanta, GA 30326
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About VA Purchase 100% Financing in Dunwoody
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). VA Purchase 100% Financing rates in Dunwoody vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The DeKalb County market has seen home prices rise 1.6% year-over-year — having a fully underwritten approval before you write an offer is critical in this competitive environment.
The 2026 conforming loan limit for a single-family home in DeKalb County is $832,750. FHA limits are set separately by HUD and can be lower. This is at the standard national baseline, meaning conventional financing is widely available. VA loans in GA have no maximum loan amount when the veteran holds full entitlement.
VA loans require veteran status or active military service. For non-veterans in Dunwoody, CMRE offers FHA and USDA government-backed programs with similarly competitive rates and low down payment requirements.
See all VA Purchase 100% Financing questions and program details
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
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