The Best Mortgage Lenders in Marietta, GA
Compare verified mortgage lenders serving Marietta, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Marietta
Featured Mortgage Lenders
Georgia's Own Mortgage Services
Georgia's Own Credit Union
Georgia's Own Credit Union stands out as one of the highest-rated mortgage lenders serving Marietta, with exceptional customer satisfaction ratings and deep roots in the Georgia community. While headquartered in Stone Mountain, they have a strong presence throughout metro Atlanta including Marietta. Members consistently praise their competitive rates, personalized service, and smooth closing process. As a credit union, they operate as a not-for-profit institution, often resulting in better terms and lower fees for borrowers. Their mortgage team specializes in first-time homebuyer programs and offers comprehensive digital mortgage applications.
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The Mortgage Firm - Marietta
The Mortgage Firm
The Mortgage Firm's Marietta location has established itself as one of the top-rated local mortgage brokers in Cobb County, earning nearly perfect ratings from hundreds of satisfied customers. They excel at finding competitive rates across all loan types and are particularly praised for their expertise with VA loans and first-time homebuyer programs. Their local team provides personalized service with deep knowledge of Marietta's real estate market. Customers frequently mention their responsiveness, transparency throughout the process, and ability to close loans quickly even in competitive markets.
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Guild Mortgage - Marietta
Guild Mortgage Company
Guild Mortgage's Marietta-area branch maintains exceptional ratings for their comprehensive mortgage services and strong local presence. As a national lender with deep community roots, they offer the stability of a large institution combined with personalized local service. They are particularly recognized for their extensive first-time homebuyer programs and down payment assistance options. Guild Mortgage consistently receives praise for their educational approach, helping borrowers understand all available options and finding the best mortgage solution for their specific situation. Their local loan officers have extensive experience with Marietta's diverse housing market.
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Frequently Asked Questions
Common questions about mortgage lending in Marietta, GA
What are the current average mortgage rates for homebuyers in Marietta, GA?
Mortgage rates in Marietta typically align with national averages but can vary based on local lender competition and property types. As of recent trends, you can expect rates around 6.5-7% for 30-year fixed loans, though Cobb County's strong housing market means shopping local lenders can yield competitive offers. It's wise to compare rates from both Marietta-based credit unions and national lenders operating in the area.
Are there any first-time homebuyer programs specifically available in Marietta?
Yes, Marietta homebuyers can access the Georgia Dream Homeownership Program, which offers down payment assistance and affordable fixed-rate mortgages. Additionally, the Cobb County Redevelopment Authority provides down payment assistance grants for qualified buyers in specific Marietta neighborhoods. These programs are particularly valuable given Marietta's median home prices hovering around $400,000.
How does Marietta's property tax system affect my mortgage payments?
Marietta property taxes are relatively moderate for the metro Atlanta area, with Cobb County rates around 1.0-1.2% of assessed value. Your lender will typically include these taxes in your monthly escrow payment, and it's important to note that Marietta's stable tax base helps maintain predictable payment schedules. Recent reassessments have shown modest increases as home values appreciate.
What special mortgage considerations should I know about buying in Marietta's historic districts?
Purchasing in Marietta's historic districts like the Church-Cherokee Historic District may require additional considerations. Some lenders might have specific requirements for older homes, and you may want to explore renovation loans if the property needs updates. Historic district homes often maintain strong value but may have higher insurance costs and stricter improvement guidelines.
How competitive is Marietta's housing market for mortgage pre-approvals?
Marietta's housing market remains competitive, particularly for homes under $500,000. Having a strong pre-approval from a reputable local lender is crucial, as sellers often prioritize offers with financing from lenders familiar with Cobb County's market. Many successful buyers come with pre-approval amounts 10-15% above their target price range to remain competitive in multiple-offer situations.
Why Choose a Mortgage Lender in Marietta?
Local Market Knowledge
Lenders who understand Marietta'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 Marietta and get competitive rates on your home loan.