Marietta Home Loans · Loan Programs
Zero-down financing for eligible homes in USDA-eligible areas — a powerful option for the right property and household in the greater Marietta region.
A USDA loan is a zero-down mortgage backed by the U.S. Department of Agriculture, designed to support homeownership in eligible areas. For buyers whose target home and household both qualify, it's one of the few remaining true zero-down programs.
Much of metro Cobb County is more suburban than USDA-eligible, but some outlying communities around the region can qualify. Because eligibility is tied to the specific property address and your household income, the smartest move is to have us check a particular home for you before you fall in love with it.
These are standard, publicly published program guidelines, not a rate quote or an offer of credit. Eligibility depends on the specific address, your household and current guidelines.
A USDA loan is a zero-down mortgage backed by the U.S. Department of Agriculture for homes in USDA-eligible areas, with household income limits. It's designed to make homeownership more accessible in eligible communities.
Much of metro Cobb County is more suburban than USDA-eligible, but some outlying communities around the region can qualify. Because eligibility is tied to the specific property address, it's best to have us check a particular home before you get attached to it.
For eligible borrowers and eligible properties, USDA loans allow 100% financing with no required down payment. There are USDA guarantee fees that function somewhat like mortgage insurance.
Yes. USDA loans have household income limits that vary by area and household size. We can check whether your household and the property both meet the current USDA requirements.
Eligibility is set by the specific property address and your household income. The simplest path is to give us the address and your household details, and we'll confirm whether USDA financing is an option before you make an offer.
Get a free, signed pre-approval letter in about a minute, or ask Erik to check a specific address.
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