Mortgage lender in DeKalb County, GA

Buying in DeKalb County

DeKalb County, with its county seat in Decatur, also takes in Dunwoody, Brookhaven, Tucker, Chamblee, Stonecrest and part of the City of Atlanta. DeKalb County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Georgia, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$718,750 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

Georgia Department of Community Affairs (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. DeKalb County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

DeKalb County: in-town neighborhoods and the eastern suburbs

Decatur, Brookhaven, Dunwoody and Chamblee, in the north and west, are higher-priced, with older homes, infill construction and condominium and townhome communities. Part of the City of Atlanta lies in DeKalb, and homes there pay city taxes as well as county taxes.

South and east DeKalb, including Stonecrest, Lithonia and the areas around Stone Mountain, have more moderate prices, and FHA loans are a common fit for first-time buyers. Older homes are where an FHA or VA appraisal is more likely to raise condition items, so we talk about condition before the offer. Taxes vary by city, so we use the tax record for the address.

DeKalb County by the numbers

Median home value

$357,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.93% of home value a year: median tax bill $3,310 on a median value of $357,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

$1 for the first $1,000 of the price and 10 cents for each additional $100 (Georgia Department of Revenue, real estate transfer tax)

Largest communities

Stonecrest, Brookhaven, Dunwoody, Atlanta (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $357,800. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $718,750.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Georgia

Closings in Georgia are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Georgia page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions DeKalb County buyers ask

Georgia notice. In Georgia, Stellar Mortgage Corporation does business as Welcome Home Lending Corporation, NMLS #2190975.

Limits shown are the 2026 FHFA and HUD figures for DeKalb County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.