Marietta Home Loans · Loan Programs
The most common way to finance a home — flexible, with as little as 3% down for eligible buyers and mortgage insurance you can remove as you build equity.
A conventional loan is a mortgage that isn't backed by a government program like FHA, VA or USDA. Most conventional loans are "conforming," meaning they follow guidelines and loan limits set by Fannie Mae and Freddie Mac. It's the most widely used type of home financing.
Conventional financing is used throughout Georgia, including Marietta, East Cobb and Cobb County. Because guidelines reward stronger credit and larger down payments with better terms, it's worth reviewing your full picture so we can position your file for the best available outcome.
These are standard, publicly published program guidelines, not a rate quote or an offer of credit. Your actual terms depend on your full application and current guidelines.
Many conventional loans allow as little as 3% down for eligible buyers, though putting more down can lower your payment and help you avoid or shorten mortgage insurance. The right amount depends on your goals and budget.
Yes. Unlike some programs, conventional private mortgage insurance (PMI) is removable once you reach enough equity in the home, which can reduce your payment over time. This is one of conventional financing's biggest advantages.
Conventional conforming loans follow a maximum loan amount set each year by county. Loans above that limit are considered jumbo loans and follow different guidelines. We can tell you the current conforming limit for your county.
It depends. Conventional can be stronger with solid credit and a bit more down, because mortgage insurance is removable. FHA can be a better fit with a smaller down payment or a rebuilding credit history. We'll compare both side by side for your situation.
Yes. Conventional loans are widely used throughout Georgia, including Marietta, East Cobb and Cobb County, for primary residences, second homes and investment properties, subject to program guidelines.
Get a free, signed pre-approval letter in about a minute, or talk it through with Erik.
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