Question 1

Do you work with clients outside of Marietta, GA?

Accepted Answer

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.

Question 2

What are the basic requirements to qualify for a mortgage in Marietta, GA?

Accepted Answer

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.

Question 3

How much down payment do I need for a home loan in Marietta?

Accepted Answer

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.

Question 4

What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

Accepted Answer

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.

Question 5

How does my credit score affect my mortgage approval in Marietta, GA?

Accepted Answer

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.

Question 6

What are closing costs, and how much should I expect to pay?

Accepted Answer

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.

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