Your Trusted Mortgage Partner for Home Loans
Fast Approvals. Local Expertise. No Surprises.
Welcome to the Jason Waters Lending Team. We replace the stress of big-box banks with a personalized, knowledge-driven approach. Whether you are buying your first home or refinancing to lower payments, we help you navigate the future of lending with confidence.
Join the hundreds of Georgia families who trusted us to get them clear-to-close in under two weeks with the strategy of a Certified Financial Planner (CFP®) on your side.
Why Choose Affinity Home Lending?
Over $250 Million Home Loans Funded Locally
Faster Closings. Smarter Planning. Better Rates.
The 12.5-Day Speed Advantage
In this market, speed wins offers. While big banks take weeks, our agile team averages a 12.5-day clear-to-close. This speed gives your offer the power of a cash buyer, helping you beat the competition and move into your new Marietta home faster.
A Financial Planner’s Approach (CFP®)
Don't just get a loan; get a wealth strategy. Jason Waters is not only a mortgage lender but also a Certified Financial Planner (CFP®). We go beyond quoting a rate by using a "Total Cost Analysis" to show you how your mortgage fits into your long-term financial goals, tax planning, and retirement.
Wholesale Rates & Local Trust
As a local Marietta mortgage broker, we shop dozens of wholesale lenders to find you the most competitive interest rates—often lower than retail banks. With over 25 years of experience and deep roots in the Cobb County community (including service on the Marietta City Schools Board), we are the neighbors you can trust to treat you like family, not a file number.
What Our Georgia Clients Are Saying About Our Mortgage Services
Here are a few of the mortgage options we offer
Diverse Mortgage Solutions
Tailored to Your Needs
The favored choice among prospective homebuyers, conventional loans offer flexible home financing to qualified individuals, ensuring affordability in homeownership.
Luxury Home Buyer
The key to unlocking the doors of extraordinary living. Designed for those seeking expansive residences and upscale properties, our Jumbo Home Loan offers a specialized financing solution for your unique real estate aspirations.
Conventional Refinance Loan
As a homeowner, you understand the importance of maximizing affordability. By opting for a conventional loan refinance, you can achieve various financial goals, such as reducing your monthly mortgage payments, accelerating mortgage payoff, managing high-interest debt, or accessing additional funds.
Cash-Out Refinance Loan
A cash-out refinance loan is a new mortgage that replaces your current mortgage and gives you cash at closing. This cash can be used for any purpose you choose, such as home repairs, paying off high-interest debt, or investing in other property.
First-Time Homebuyer Mortgage
Embarking on your inaugural home purchase is a blend of enthusiasm and complexity. A multitude of factors demands your attention: selecting the right loan, determining the ideal down payment, and accounting for closing expenses. Therefore, partnering with a seasoned mortgage team is a crucial step in this journey.
VA Home Loan Mortgage
The VA Single Close Construction Loan empowers veterans to construct their homes utilizing their hard-earned benefits. This streamlined financing option not only saves you time and money but also eliminates the need for a down payment, combining both construction and long-term home mortgage into a single, hassle-free loan.
VA Home Loan Mortgages
The VA Single Close Construction Loan empowers veterans to construct their homes utilizing their hard-earned benefits. This streamlined financing option not only saves you time and money but also eliminates the need for a down payment, combining both construction and long-term home mortgage into a single, hassle-free loan.
USDA Home Loan Programs
The USDA loan, officially known as the Rural Development Guaranteed Housing Loan, is a mortgage initiative aimed at promoting homeownership within rural and suburban communities. Its primary objective is to support individuals and families with modest to moderate incomes by providing accessible financing options for purchasing homes in qualifying rural regions.
FHA Mortgage Programs
Whether you're a first-time homebuyer or simply concerned about meeting financing criteria, an FHA loan offers straightforward and adaptable solutions. Streamlined approvals come with reduced credit score prerequisites and smaller down payment obligations, all while maintaining competitive interest rates.
Areas We Serve
Marietta, GA
Moving or upgrading in Marietta, GA? High-value homes often require Jumbo financing. Work with a local CFP® professional to structure a mortgage that preserves liquidity and fits your overall wealth strategy.
Roswell, GA
Buying into top schools or updating a classic? We tailor Conventional and Renovation loans to help you secure the right Roswell address. Don’t just get a loan; get a Total Cost Analysis to see how your mortgage builds long-term wealth for your family.
Alpharetta, GA
Relocating or upgrading in Alpharetta? High-value properties demand strategic financing. We specialize in Jumbo loans that preserve your liquidity. Let a local CFP® structure a mortgage that fits your wealth portfolio, ensuring your new estate is a true financial asset.
Smyrna, GA
Buying your first home? In Smyrna’s fast market, speed wins. We help young professionals beat the competition with closings as fast as 12 days. Get clear, honest guidance and low down payment options that turn your rent money into real equity.
Woodstock, GA
Building new or trading up in Woodstock? In this booming market, our 12.5-day close gives you the power of a cash buyer. Whether it’s new construction or your next family home, we ensure your financing is seamless so you never miss out on the perfect property.
Kennesaw, GA
Planting roots in Kennesaw? We help local families find the perfect mortgage fit, from FHA to Conventional. Skip the stress and work with a neighbor who understands your goals. We prioritize your budget and long-term financial health over a quick sale.
Some of my clients, our greatest advocates, and their feedback speaks volumes about my commitment to excellence. Your results will vary and may not be typical. As a result of refinancing, your total finance charges may be higher over the life of the loan. Including closing costs or financing loan fees your total finance charges may be higher over the life of the loan. Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan.
Get Mortgage Tips
Blog
Spring 2026 Marietta housing outlook: rising inventory, steady prices, and smart buyer strategies to win in a shifting market.
Get mortgage pre-approval early in 2026 to boost buying power, win competitive offers, and close faster in a hot housing market.
Discover 2026 mortgage trends, from ARMs to VA & FHA loans. Get expert advice and tailored loan programs for your financial needs in Marietta, GA.
In a market where interest rates can feel intimidating, many buyers are surprised to learn they have options beyond “take it or leave it.” One of the most effective—but often misunderstood—tools is a mortgage buydown. A buydown doesn’t change the home price. Instead, it reduces your interest rate and monthly payment
Prepare for 2026 with a mortgage planning roadmap covering rates, refinancing strategies, and smart homebuying decisions.
Find out why Marietta GA homebuyers trust local mortgage brokers for market expertise, personalized service, and competitive loan options.
Frequently Asked Questions: Finding the Best Mortgage Broker in Georgia
1. Do you work with clients outside of Marietta, GA?
Yes—we work with clients all across Georgia, not just Marietta. Whether you’re nearby or farther away, we can connect by phone or a quick video call to guide you through the loan process.
2. What are the basic requirements to qualify for a mortgage in Marietta, GA?
Most lenders look for a solid credit score, steady income, and some savings for a down payment. They’ll also review your overall debt compared to your income. The exact requirements can vary depending on the type of loan you choose.
3. How much down payment do I need for a home loan in Marietta?
It depends on the loan. Conventional loans typically require anywhere from 5% to 20%, while FHA loans can go as low as 3.5%. Some options, like VA and USDA loans, may not require a down payment at all.
4. What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?
With a fixed-rate mortgage, your interest rate—and monthly payment—stay the same for the life of the loan. An adjustable-rate mortgage usually starts with a lower rate, but it can change over time based on market conditions. Fixed rates offer more stability, while ARMs can be a good fit in certain situations.
5. How does my credit score affect my mortgage approval in Marietta, GA?
Your credit score plays a big role in both your approval and the interest rate you’re offered. Higher scores generally lead to better rates and terms, while lower scores may result in higher costs or fewer loan options.
6. What are closing costs, and how much should I expect to pay?
Closing costs are the fees associated with finalizing your loan, and they usually range from about 2% to 5% of the home’s purchase price. These can include things like the appraisal, title insurance, and lender fees.
Contact Us
84 Church St, Ste A,
Marietta, GA 30060
(404) 850-9555
jwaters@affinityhomelending.com
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
