Thank you for your service. DreamHomeToday.net is honored to serve veterans, active duty service members, and surviving spouses in finding the Atlanta home you've earned.
VA Loan Benefits — A Quick Refresher
Your VA entitlement is one of the most powerful home buying tools available anywhere. Here's what it gives you.
No Down Payment Required
VA loans allow qualified veterans to purchase a home with zero down payment — 100% financing of the purchase price. This alone saves $6,000–$20,000+ compared to conventional loans on DreamHomeToday.net price points.
No Private Mortgage Insurance (PMI)
Conventional loans with less than 20% down require PMI — typically $80–$200/month. VA loans have no PMI, saving you thousands over the life of the loan and reducing your monthly payment significantly.
Competitive Interest Rates
VA loans typically carry interest rates 0.25–0.5% lower than conventional loans, because the VA guarantee reduces lender risk. On a $200,000 loan, that's roughly $30–$60/month in savings.
No Prepayment Penalty
You can pay off your VA loan early without penalty — useful if you want to build equity faster or refinance when rates drop.
Assumable Loan
VA loans are assumable — when you sell, a qualified buyer can take over your loan at your original rate. In a rising rate environment, this makes your home significantly more attractive to buyers, supporting resale value.
Foreclosure Avoidance Assistance
The VA has dedicated staff to help veteran borrowers facing financial hardship avoid foreclosure — a safety net that doesn't exist with conventional mortgages.
The $15,000 ANDP Veteran DPA Program
The Atlanta Neighborhood Development Partnership (ANDP) offers a dedicated $15,000 down payment assistance grant for veterans, active duty service members, and surviving spouses purchasing new construction homes on ANDP-designated properties — which includes the majority of DreamHomeToday.net communities.
Because the ANDP Veteran DPA is available alongside other programs, a veteran buyer can often combine this $15,000 with additional assistance — for example, stacking with Georgia Dream ($12,500) brings total assistance to $27,500 on a qualifying property.
The 120% AMI limit is significantly more generous than most programs (which cap at 80% AMI), meaning higher-income veterans who don't qualify for other DPA programs often qualify for this one.
Who Qualifies?
The ANDP Veteran DPA has two sets of requirements — borrower eligibility and property eligibility. Here's what qualifies and what doesn't.
Borrower: Who Qualifies
Property: What Qualifies
DreamHomeToday.net Communities Eligible for Veteran DPA
These ANDP-designated new construction communities qualify for the $15,000 Veteran DPA grant. Contact us to confirm current availability and program status for each address.
Program availability subject to funding. Contact us to confirm current status before making offers.
How to Get Started as a Veteran Buyer
Five steps from first inquiry to keys in hand.
Obtain Your Certificate of Eligibility (COE)
Your COE confirms your VA entitlement. Get it through the VA's eBenefits portal, through your lender, or by contacting us — our preferred lender Shannon Erickson can pull your COE directly in many cases.
Get Pre-Qualified with an ANDP Participating Lender
To access the ANDP Veteran DPA, you must use a participating lender. Shannon Erickson is an ANDP participating lender who handles VA, FHA, and conventional loans — one pre-qualification covers all your options simultaneously.
Complete the ANDP Homebuyer Education Course
Most DPA programs require an 8-hour HUD-approved homebuyer education course. This can be completed online in a single session and is required before receiving DPA funds at closing.
Select Your Community & Sign a Purchase Contract
Tour DreamHomeToday.net communities with Michael, select your property, and sign a purchase contract. Your pre-approval and DPA application move forward simultaneously.
Close with $0–$1,500 Out of Pocket
At closing, your VA entitlement (no down payment), ANDP Veteran DPA ($15,000 toward closing costs and/or down payment), and any stacked programs are applied. Most veteran buyers close with less than $1,500 out of pocket.
You've Earned This. Let's Make It Happen.
Schedule a free veteran buyer consultation. We'll review your VA entitlement, DPA eligibility, and show you exactly which communities fit your budget and goals.
Schedule Your Veteran Buyer Consultation