WE DeKalb DPA Program

WE DeKalb DPA Program is sponsored by Decide DeKalb Development Authority. This program provides down payment assistance to qualified applicants interested in purchasing or refinancing a home in DeKalb County, Georgia. It is designed to make homeownership more affordable and is available as a non-repayable grant.

WE DeKalb Lenders - Decide DeKalb Development Authority Our WE DeKalb Program, in partnership with the lenders listed below, provides those interested in buying a home in DeKalb County with a 30-year, fixed-rate fully amortized first mortgage and a non-repayable down payment assistance (DPA) grant equal to 1, 2, or 3 percent of the mortgage’s initial principal balance.

Below is a list of top performing loan officers and approved lenders for WE DeKalb. Approved borrowers must use one of the approved lenders listed below. Please contact your preferred loan officer to determine if you qualify for the WE DeKalb down payment grant.

Approved WE DeKalb Loan Officers American Eagle Mortgage Company BankSouth Mortgage Company, LLC Cardinal Financial Company, Limited Partnership Contour Mortgage Corporation Fairway Independent Mortgage Corporation PrimeLending, a PlainsCapital Company Prosperity Home Mortgage, LLC Shelter Home Mortgage, LLC Southeast Mortgage of Georgia, Inc Additional Approved Lenders Academy Mortgage Corporation American Financing Corporation Atlantic Bay Mortgage Group, LLC CalCon Mutual Mortgage, LLC Capital City Home Loans, LLC CBC National Bank Mortgage Certainty Home Loans, LLC Diamond Residential Mortgage Corporation Eagle Home Mortgage of California Equity Prime Mortgage, LLC Evolve Bank & Trust Guaranteed Rate Affinity, LLC Guild Mortgage Company, LLC Heritage Bank of the South Homestar Financial Corporation Integrity First Financial Group, Inc Panorama Mortgage Group, LLC Paramount Residential Mortgage Group, Inc. Sanctuary Home Mortgage, LLC SWBC Mortgage Corporation Become an Approved Lender Join our growing list of approved lenders and loan officers.

Participation is free and easy.

To become an approved WE DeKalb lender and loan officer: Review the Lender Approval Process (linked below) Complete the Lender Agreement and submit to [email protected] Complete the Lender Contact & Authorization Form and send to [email protected] View Lender Approval Process View Lender Approval Process The WE DeKalb program provides those interested in buying a home in DeKalb County, Georgia, with a non-repayable down payment assistance (DPA) grant equal to 1 percent, 2 percent, or 3 percent* of their mortgage’s initial principal balance.

WE DeKalb’s qualified borrowers may be eligible for VA, FHA, or Freddie Mac HFA® Advantage conventional loan at a competitive 30-year, fixed-rate first mortgage loan. The DPA grant will be 1 percent, 2 percent, or 3 percent of the total loan amount, depending on which mortgage rate is selected of the available mortgage rate options.

Borrowers do not need to be first-time homebuyers, and there is no time requirement that they must live in the home. However, the home must be their principal residence. To participate in the program, complete and submit the Lender Agreement and the signed Lender Contact Information document to U.S. Bank via email.

Originals are not needed and there is no cost to participate. Participating lenders must also become an approved lender with US Bank. If your company is a correspondent lender with US Bank, the approval process should be quick.

Lenders must be a mortgage bank and be a VA, FHA, or Freddie Mac HFA® Advantage conventional approved mortgage. To check on your current status with the US Bank Housing Finance Agency, or to become an approved lender, please contact US Bank at 800 562 5165 or [email protected] for assistance. Training is mandatory to access the program reservation system.

The program training is available online 24/7 and the systems training is offered via a webinar weekly. The training and reservation system are handled by the program administrator, eHousingPlus. Below is a link to the WE DeKalb program webpage for participating lenders.

You may wish to review the administrator’s guidelines under the “Summary” tab for the full program details, including information on the DPA grant process, allowed fees, and loan time frames. View Available Training Programs Please share this information with your fellow loan officers and anyone in your organization who may be interested in the WE DeKalb program It’s a Great Time to do Business in DeKalb County!