Marietta Home Loans · Loan Programs
A flexible, lower-down-payment path to homeownership — commonly 3.5% down — for buyers in Marietta, East Cobb and Cobb County.
An FHA loan is a mortgage insured by the Federal Housing Administration. Because the loan is government-insured, lenders can offer more flexible guidelines than a typical conventional loan — which is why FHA is one of the most popular options for first-time and lower-down-payment buyers.
FHA loans are used across Georgia, including Marietta, East Cobb and Cobb County, for primary residences. FHA sets loan limits by county, and the home must meet standard property and occupancy requirements. If you're weighing FHA against another program for a specific Marietta home, that's exactly the kind of comparison we'll walk through together.
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.
FHA loans commonly require a minimum 3.5% down payment for borrowers who meet the program's credit guidelines. The down payment can come from your own savings and, in many cases, an eligible gift.
FHA is generally more flexible on credit than conventional financing. The exact minimum depends on the lender and your overall profile, and your credit also affects your rate. Even if your score isn't where you want it, it's worth a conversation before you apply.
Yes. FHA loans include mortgage insurance premiums — typically an upfront premium plus an annual premium paid monthly. How long it stays on the loan depends on your down payment and term, which is one reason it's worth comparing FHA against conventional for your situation.
Yes. FHA loans are widely used for primary residences throughout Georgia, including Marietta, East Cobb and Cobb County, subject to FHA loan limits for the county and standard property and occupancy requirements.
FHA is often a good fit for a smaller down payment or a shorter or rebuilding credit history. Conventional can be stronger with solid credit and more down, because mortgage insurance is removable once you reach enough equity. The best choice depends on your numbers — we'll compare both side by side.
Get a free, signed pre-approval letter in about a minute, or talk it through with Erik.
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