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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.
Over $250 Million Funded locally
Why Choose Affinity Home Lending?
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.
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.
Service Locations
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.
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.
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.
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.
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.
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.
Refinance Loans
VA Home Loan in Marietta, Georgia
You served us; let us serve you. Our VA loans offer 100% financing with no PMI. Unique to our team is the VA Single Close Construction Loan—buy land and build with zero down in one seamless closing. Trust a Georgia mortgage lender experienced in maximizing Veteran benefits. Wondering about your Certificate of Eligibility? We can pull it for you instantly. Let’s build your forever home together without the stress of multiple loans.
FHA Mortgage Programs in Marietta, Georgia
Credit score worries shouldn't block your dream. FHA loans offer accessible down payments as low as 3.5% and flexible credit guidelines. Unlike big banks, we are local Marietta mortgage lenders who fight for your approval. Wondering if a past financial blip disqualifies you? Often, the answer is no. Let's review your unique situation and get you on the path to homeownership. Check your eligibility in minutes with our team.
Conventional Refinance Loans in Marietta, Georgia
Is your current interest rate higher than the market average? A Conventional Refinance can significantly lower monthly payments or shorten your term to build wealth faster. As a trusted Marietta mortgage lender, we help you calculate your specific break-even point—answering the common question, "Is refinancing really worth the closing costs?" We analyze your unique financial picture to ensure a new rate actually benefits you. Don't overpay on interest. Let’s review your current terms and explore your Georgia refinance options today.
Cash-Out Refinance Loans in Marietta, Georgia
Sitting on significant equity? Turn that value into liquidity for home renovations or to consolidate high-interest debt. A Cash-Out Refinance replaces your existing mortgage, giving you a lump sum at closing. Wondering how much cash you can access? It typically depends on your current appraisal value, which we help determine. Residents looking for home equity loans in Marietta often find this streamlines their finances more effectively than credit cards. Connect with a local expert to see how leveraging your asset can improve your monthly cash flow.
Reverse Mortgage Senior Loans in Marietta, Georgia
Retirement should be about enjoying life, not stressing over bills. For homeowners aged 62+, a Reverse Mortgage in Marietta (HECM) converts part of your home equity into tax-free cash without required monthly mortgage payments. A frequent FAQ is, "Do I lose ownership of my home?" The answer is no—you remain on the title and live in your home. We specialize in helping Georgia seniors supplement retirement income safely. Schedule a compassionate, no-pressure consultation to understand how this tool preserves your independence.
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.
Locked into a 3 percent rate? Learn when refinancing in Marietta can still make sense and improve cash flow or flexibility in 2026.
Getting pre-approved for a mortgage isn’t just smart—it’s necessary. Whether you’re a first-time homebuyer or seasoned investor, early pre-approval gives you an edge and makes the process smoother. Here’s why you should start with pre-approval now.
Contact Us
84 Church St, Ste A,
Marietta, GA 30060
(404) 850-9555
jwaters@affinityhomelending.com
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