The Best Mortgage Lenders in Cobb, GA
Compare verified mortgage lenders serving Cobb, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Cobb
Featured Mortgage Lenders
Justin Bynum
New American Funding - Marietta
New American Funding's Marietta office, led by Justin Bynum, is one of the highest-rated mortgage lenders serving Cobb County. With over 285 excellent reviews and a 4.9 rating, they specialize in helping diverse borrowers including first-time homebuyers. They offer competitive rates on all major loan types and are particularly strong with FHA and VA loans. Their local team provides personalized service with deep knowledge of Cobb County's housing market, making them a top choice for both purchase and refinance transactions in the area.
Loan Types:
Chris Brown
Guild Mortgage - Smyrna
Guild Mortgage's Smyrna branch serves Cobb County with exceptional customer service and a comprehensive range of mortgage products. With a 4.8 rating and nearly 200 reviews, they've built a strong reputation for guiding borrowers through complex transactions. Their team specializes in first-time homebuyer programs and offers unique products like renovation loans. Guild's long-standing presence since 1960 and their commitment to community involvement in Cobb County make them a trusted local mortgage provider with national resources.
Loan Types:
Mortgage Department
Delta Community Credit Union
As Georgia's largest credit union, Delta Community serves Cobb County with highly competitive mortgage rates and exceptional member service. With multiple branches throughout the area including their Cumberland location, they offer the advantage of lower fees and personalized attention. Their 4.7 rating reflects consistent customer satisfaction across hundreds of mortgage transactions. Delta Community specializes in helping members with all loan types while providing the benefits of credit union membership, including potential rate discounts for existing members and local decision-making.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Cobb, GA
What are the current mortgage rates like for homebuyers in Cobb County, GA?
Mortgage rates in Cobb County are competitive with national averages but can vary based on lender, loan type, and your financial profile. As of recent trends, rates in the Atlanta metro area, including Cobb, often run slightly below the national average due to strong local competition among lenders. It's wise to compare offers from local credit unions, regional banks, and national lenders to secure the best rate.
Are there any first-time homebuyer programs specific to Cobb County that can help with down payment or closing costs?
Yes, the Georgia Dream Homeownership Program is available to Cobb County residents and offers affordable fixed-rate mortgages, down payment assistance, and even closing cost assistance for eligible first-time homebuyers. Additionally, Cobb County itself may occasionally offer local grants or programs, so it's beneficial to check with the Cobb County Community Development office for any active initiatives.
How does Cobb County's property tax system affect my monthly mortgage payment?
Cobb County property taxes are included in your monthly mortgage payment if you have an escrow account. The county's millage rate varies by city (like Marietta, Smyrna, or Kennesaw) and can influence your overall housing cost. It's important to factor in these taxes, as they are typically higher in areas with top-rated school districts, which Cobb County is known for.
What types of loans are most common for home purchases in Cobb County's competitive housing market?
In Cobb County's competitive market, conventional loans are popular, especially for buyers with strong credit, but FHA loans are also common for those with smaller down payments. Given the mix of older homes in areas like Vinings and new constructions in places like Acworth, renovation loans like the FHA 203(k) can also be a practical choice for buyers looking to update a property.
How do homeowner association (HOA) fees in Cobb County communities impact my mortgage qualification?
Lenders in Cobb County will include monthly HOA fees in your debt-to-income ratio when qualifying you for a mortgage. This is important in many Cobb neighborhoods, especially in planned communities or condos, where HOA fees can be significant. Be sure to account for these fees early in your home search to avoid surprises during the mortgage approval process.
Why Choose a Mortgage Lender in Cobb?
Local Market Knowledge
Lenders who understand Cobb's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Georgia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Cobb and get competitive rates on your home loan.