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Marietta Home Loans Team

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Marietta, GA
Marietta Home Loans Team

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We are the Marietta Home Loans Team, powered by Affinity Home Lending. NMLS #200719 Contact us today to get started.

At the Waterman Group at Affinity Home Lending, we have helped make the dream of homeownership come true for thousands of homebuyers. We are a national mortgage lending firm recognized for outstanding customer service while offering competitive pricing and sound advice for your individual situation. As a mortgage banker, we offer a range of products, including FHA, VA, US Department of Agriculture, jumbo, and fixed or adjustable rate loans. Whether you are buying, refinancing, or building your home, we can provide you with the right mortgage to meet your specific needs. To give you unparalleled service, we are your point of contact throughout the entire mortgage process – from application through closing. With you every step of the way, we are here to answer your questions and give your loan the careful attention it needs. Whether you apply in person or online, you receive the same unsurpassed service.

11/02/2026

“My rate is locked, so it’s covered until I close.” That’s only true if you close within the lock period and meet its terms.

A rate lock has an expiration date. If closing moves beyond it, an extension may be available, but it can come with an added cost. Changes to the loan can affect the locked terms, too. I want you to know the dates and conditions upfront so you understand what’s covered.

If you’re getting ready to lock your rate, call me at 678-463-5409 and we’ll talk through the timing.

Erik Waterman NMLS #158339
Marietta Home Loans

10/31/2026

Self-employed? Side hustle? 1099 income? 👻

Years ago, that kind of income was an automatic no for a lot of lenders. Today, we’ll take a look. Our purchase files average 14 days to close.

If you’ve been told no because of how you earn your income, give us a shot. Message us or visit www.mariettahomeloans.com to get started.

Erik Waterman | Affinity Home Lending | NMLS
#158339 | Equal Housing Opportunity

Income and eligibility are subject to underwriting guidelines. Timelines vary by file.

#1099

10/31/2026

Whether you're taking the kids trick-or-treating or staying home to hand out candy, I hope you and your family have a great night!

Happy Halloween!

10/30/2026

October Connections After Hours with the Marietta Business Association at High Caliber Realty in Kennesaw. Great people, great night. 🍂

Erik Waterman | Affinity Home Lending | NMLS
#158339

10/29/2026

Paying off your home in 15 years sounds good. Let’s make sure you like the payment that comes with it.

A 15-year mortgage generally means a higher monthly principal-and-interest payment than a comparable 30-year loan, but less interest over the full term. That can be a good trade if the payment leaves room for the rest of your life. If it stretches you too thin, we need to look at that, too. I’d rather show you both than assume the shorter loan is the better fit.

Give me a call at 678-463-5409, and we’ll compare what each option would mean for you.

Erik Waterman NMLS #158339
Marietta Home Loans

10/22/2026

Found a home in Marietta that looks like it fits your monthly budget? Get an insurance estimate for that home before you make an offer.

The number in an online payment calculator may not reflect what it will cost to insure that particular property.

That difference can change the payment you were counting on. Send me the address of the house you love and let's run the numbers to figure out the payment. Call me anytime at 678-463-5409.

Erik Waterman NMLS # 158339
Marietta Home Loans

10/20/2026

Your Closing Disclosure isn't something to glance at on the way to the closing table.

It shows your final loan terms, payment, and closing costs, and you have time to review it before signing.

Compare it with the Loan Estimate you received earlier in the process. If a number surprises you, ask about it while there's still time to get an answer.

Erik Waterman NMLS # 158339
Marietta Home Loans

10/17/2026

Own a business and thinking about buying a home? You don't have to figure out the mortgage side on your own.

Let's look at how you're paid, your business documents, and the loan options that may fit your situation.

I'd rather do that early so you have a clear plan when you find a home you like.

Bring your questions and we'll work through the numbers together. Give me a call at 678-463-5409.

Erik Waterman NMLS # 158339
Marietta Home Loans

10/15/2026

Buying a rental property? The down payment is only one part of the cash plan.

You'll also need to account for closing costs and pre-paids like taxes and insurance, just as you would on another home purchase.

Depending on the loan, you may need to show reserves that remain in your account after closing. And as an owner, you'll want room for repairs or a stretch without a tenant.

Before you make an offer on an investment property, call me at 678-463-5409 and let's look at the full cash picture.

Erik Waterman NMLS # 158339
Marietta Home Loans

10/13/2026

Don't rule out a smaller down payment just because mortgage insurance may be part of the payment.

You have to look at what you're bringing to closing, what the full monthly payment looks like, and how much cash you want to keep available afterward.

For some buyers, putting more down makes sense. For others, keeping more cash on hand matters more.

I'd rather put the actual options side by side than tell you one percentage is right for everyone. If you're weighing down-payment choices, call me at 678-463-5409 and we'll run the numbers.

Erik Waterman NMLS # 158339
Marietta Home Loans

Address

84 Church Street Suite A
Marietta, GA
30060

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm

Telephone

+16784635409

Website

http://www.mariettahomeloans.com/

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