The Best Mortgage Lenders in Marietta, SC
Compare verified mortgage lenders serving Marietta, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Marietta
Featured Mortgage Lenders
Casey Fleming
Movement Mortgage
Movement Mortgage is one of South Carolina's most prominent mortgage lenders with headquarters in Fort Mill and strong presence throughout the Upstate region. As a direct lender, they offer competitive rates and streamlined processing with local loan officers who understand the Marietta market. Their high rating reflects exceptional customer service, quick closing times, and expertise with various loan programs including VA and FHA loans popular in the area.
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Chris Gause
NFM Lending
NFM Lending's Greenville branch serves the entire Upstate South Carolina region including Marietta, with loan officers who have deep local market knowledge. They're particularly noted for their first-time homebuyer programs and government-backed loans. The company maintains an A+ BBB rating and is praised for transparent communication throughout the loan process and competitive rate offerings.
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Trey Biddy
PrimeLending
PrimeLending's Greenville office has been serving the Upstate South Carolina community for decades, including Marietta residents. They offer a comprehensive range of mortgage products with particular strength in construction loans and renovation financing. Their long track record and strong local reputation are built on personalized service, local underwriting, and competitive pricing for both purchase and refinance transactions.
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Frequently Asked Questions
Common questions about mortgage lending in Marietta, SC
Are there any first-time homebuyer assistance programs specific to Marietta or Spartanburg County?
Yes, the South Carolina State Housing Finance and Development Authority (SC Housing) offers statewide programs like Palmetto Home Advantage, which provides down payment assistance and competitive interest rates. While not exclusive to Marietta, these programs are widely used by local lenders to help buyers in our area, especially given the proximity to more expensive markets like Greenville.
How do property taxes in Marietta, SC, impact my monthly mortgage payment?
Spartanburg County, where Marietta is located, has relatively low property tax rates compared to national averages. The county's millage rate, combined with a 4% assessment ratio for primary residences, typically results in affordable annual taxes. Your lender will calculate these into your escrow payment, and it's a key factor in the overall affordability of homes in the Marietta area.
What is the typical down payment required for a mortgage on a home in Marietta's market?
While 20% down is standard to avoid private mortgage insurance (PMI), many local buyers in Marietta utilize conventional loans with 3-5% down or FHA loans with 3.5% down. Given the area's mix of affordable single-family homes and newer developments, local lenders are experienced with these lower-down-payment options, which are common for first-time and move-up buyers.
Does living in a more rural part of Marietta, SC, affect my mortgage or insurance options?
Yes, if your property is considered rural by USDA standards, you may qualify for a USDA loan, which offers 100% financing—a significant advantage in Marietta's outlying areas. Additionally, lenders will note if a home relies on a well and septic system, which may require specific inspections but does not typically hinder loan approval for common government-backed loans.
How do mortgage rates in Marietta compare to the national average, and are local credit unions a good option?
Mortgage rates in Marietta generally align with national averages but can be influenced by your chosen lender. Local institutions like SC State Credit Union or Founders Federal Credit Union, which have a strong presence in the Upstate, often offer competitive rates and personalized service, especially for members with existing relationships, which can be beneficial for Marietta residents.
Nearby Cities
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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 South Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Marietta and get competitive rates on your home loan.