5 out of 5 stars
Aaron pulled my COE himself and found out I was exempt from the funding fee, which nobody at my last lender caught. That was a $9,800 difference.
Sgt. Malik Odom
Cobb County
Buying and refinancing in Marietta
Cobb County's range, from the historic square to the newer subdivisions off Barrett Parkway.
$425,000 median5% to 20% typical down
What is different about Marietta
Marietta covers more ground than people expect. A 1908 house on Whitlock Avenue and a 2021 build off Barrett Parkway are both Marietta, and they need different conversations.
Cobb County has a strong VA presence because of Dobbins Air Reserve Base, and we write a steady volume of VA purchases here. The zero-down benefit goes unused far too often, so we ask about service history on every Cobb application.
New construction is the other half of our Marietta volume. Builder lender incentives are real money, and we will tell you honestly when the builder's offer beats ours. Usually we can match the rate buy-down and beat the fees.
Neighborhoods we work in here
Not an exhaustive list, just the ones that come up most weeks.
Historic Marietta SquareWest SideKennesaw MountainEast CobbWhitlock HeightsSprayberry
Programs that work well in Marietta
- VA loanZero down, no monthly mortgage insurance, for service members, veterans and surviving spouses.0% down580 (lender overlay) scoreProgram details
- Conventional loanThe workhorse loan for buyers with steady income and reasonable credit. Down payments start at 3%.3% (5% for a second home) down620 scoreProgram details
- First-time buyer programOur bundled path: a low-down-payment first mortgage plus the Georgia assistance funds you qualify for.As low as $0 out of pocket with assistance down620 for most assistance programs scoreProgram details
Answers
Marietta questions
Yes. Detached single family, wide age range dominates here, and we finance single family, townhome, condo and two to four unit properties. Condos need a project review, which we order at no cost to you the day you go under contract.
22 days, longer on new construction. The variable is almost always the appraiser's calendar, which is why we order the appraisal the day your contract is ratified rather than after the disclosures come back signed.
Builder rate locks that expire before the home is finished. We raise it early so it is a planning item rather than a week-two emergency.
Our office is on Peachtree Circle in Midtown, and we take video calls for everything that does not need a signature. For Marietta clients who would rather meet in person, we come to you.
Nearby communities
Midtown AtlantaCondos, lofts and the occasional Ansley bungalow. Our home office sits on Peachtree Circle.Neighborhood guide
DecaturBungalows, a walkable square and school-district pricing that moves fast.Neighborhood guide
East PointWhere our down payment assistance work is busiest, and where we close the most first purchases.Neighborhood guide
Magnolia Lending Group
Looking in Marietta?
Send us a listing address and we will come back with the programs that fit it and what your payment would actually be.
Free consultation. Sample rates and assistance amounts shown on this site are illustrations, not offers.