Your Trusted Partner for Home Loans
Navigating the Future of Mortgage Lending: A Knowledge-Driven Model.
Welcome to Affinity Home Lending with Jason – your trusted partner for all things mortgage-related. Count on us to provide tailored financing solutions, empowering you to turn your homeownership dreams into reality.
Our Long Term Online Reputation
Why Choose Affinity Home Lending?
Experience and Expertise
Jason is a seasoned professional specializing in home purchases, boasting more than 25 years of extensive experience in the mortgage market.
Personalized Service
We prioritize individualized service, recognizing the uniqueness of each client, and shaping our solutions to align with your particular needs and preferences.
Competitive Rates
We offer highly competitive interest rates, ensuring you have access to the most advantageous deals available in the market
Why Choose Jason Waters?
Jason is an experienced Loan Officer and also holds a CFP® designation. Jason has over 25 years of lending experience including a background in commercial lending. He is married to his wife Katie and they have 3 children. Jason has been elected 3 times to the Marietta City Schools Board of Education.
Here are a few of the mortgage options we offer
Diverse Mortgage Solutions
Tailored to Your Needs
Conventional Home Purchase
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.
"Thank you for all the great advice and your help in closing my loan. I never thought I would ever achieve home ownership but you and your company have helped me reach it. I can't thank you enough!"
Ashley B
"Jason Waters made the whole process of refinancing our home super painless and very easy. If we could give them 10 stars we would!"
Allie Thelen
"I am saving a lot monthly due to their help and expertise. They went out of their way to answer any and all questions I had."
Liz C
Service Locations
Alpharetta, GA
- High-value loans
- Jumbo mortgage potential
- Massive corporate relocation area
Woodstock, GA
- Explosive growth
- High volume of new construction
- High volume of step-up buyers
Roswell, GA
- Highly desirable school districts
- Strong mix of conventional and renovation loans
Smyrna, GA
- High market velocity
- Massive appeal to young professionals and first-time buyers
Kennesaw, GA
- Immediate proximity to Marietta
- High transaction volume
- Strong family demographic
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.
Purchasing Loans
Conventional Home Loans
Standard, flexible home financing for qualified individuals.
FHA Mortgage Programs
Accessible options with lower credit score requirements and smaller down payments.
VA Home Loan
Financing for veterans, including a specialized VA Single Close Construction Loan that requires no down payment and combines construction and long-term financing.
USDA Home Loan Programs
Zero-down-payment mortgages aimed at rural and suburban homebuyers.
Jumbo Home Loans
Specialized luxury home financing for properties that exceed standard conforming loan limits.
First-Time Homebuyer Mortgages
Tailored programs guiding new buyers through selecting the right loan, down payment, and closing expenses.
203K Rehab Mortgage Loans
Loans that allow buyers to finance both the purchase of a house and the cost of its rehabilitation/renovation.
DSCR Loans (Debt-Service Coverage Ratio)
A specialty loan for real estate investors that qualifies borrowers based on the property's rental cash flow rather than their personal income.
Refinance Loans
Conventional Refinance Loans
Designed to reduce monthly payments, accelerate mortgage payoff, or manage interest rates.
Cash-Out Refinance Loans
Replaces the current mortgage with a new one, allowing homeowners to tap into their equity for home repairs, debt consolidation, or other investments.
Reverse Mortgage Senior Loans
A specialized loan (HECM) for seniors aged 62 and older to convert home equity into cash without monthly mortgage payments.
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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