Centro Atlanta Mortgage Options

Conventional Mortgage Loans

Conventional loans are one of the most popular home loan options in Smyrna, GA for buyers with strong credit. They offer flexible terms, competitive rates, and are ideal for everything from first homes to investment properties.

  • Great for buyers with strong credit and steady income
  • Flexible terms and competitive interest rates
  • Ideal for primary residences, second homes, and investment properties
  • Lower overall borrowing costs without mortgage insurance (with 20% down)
Person handing over house keys with small model home on desk — symbolizing a successful conventional mortgage closing in Smyrna, GA.

FHA Home Loans

FHA loans are a popular choice for first-time homebuyers in Smyrna, GA. Backed by the Federal Housing Administration, these loans allow for lower down payments and more flexible credit requirements — making homeownership more accessible.

  • Low 3.5% down payment for qualified buyers
  • Lenient credit score and income guidelines
  • Ideal for first-time and repeat homebuyers
  • Government-backed for added peace of mind

VA Home Loans

VA loans are a top choice for eligible veterans and active-duty service members across Greater Atlanta. Backed by the Department of Veterans Affairs, these loans offer unbeatable benefits — including zero down payment and no mortgage insurance.

  • No down payment required for eligible borrowers
  • No private mortgage insurance (PMI)
  • Competitive interest rates backed by VA guarantee
  • Flexible credit requirements compared to conventional loans
  • Perfect for military families looking to settle in the Atlanta area
Veteran applying for a VA home loan in Greater Atlanta with local mortgage advisor.
Woman relaxing in a rural Georgia home with scenic views, representing USDA loan options in Cobb County, GA

USDA Home Loans

USDA loans are a great option for homebuyers in the more rural areas of Cobb County, GA. Backed by the U.S. Department of Agriculture, these loans offer 100% financing for eligible buyers — making homeownership more accessible without a large down payment.

  • Zero down payment required for qualified buyers
  • Low fixed interest rates backed by the USDA
  • Ideal for homes located in eligible rural and suburban areas
  • Flexible credit guidelines and reduced mortgage insurance costs

🔑 Ready for Homeownership?

Here are your options to get started:

1. Prefer a personal touch? Call Ben (770) 841-1532 to discuss
2. Want to meet face-to-face? Schedule an online meeting here
3. Ready to start the process? Begin your mortgage application here
Explore More Loan Options with Ben
Looking for something a little more tailored? Ben Bell offers specialized home financing solutions designed to meet unique goals — from building your dream home to unlocking equity in retirement. In addition to FHA, VA, USDA, and Conventional loans, Ben also helps homebuyers with:
  • ✔️ Construction Loans
  • ✔️ Down Payment Assistance Programs
  • ✔️ Jumbo Mortgages for high-value properties
  • ✔️ Non-QM Loans for self-employed or unique income situations
  • ✔️ Refinance Options to lower your rate or change your term
  • ✔️ Reverse Mortgages for homeowners aged 62+

With a background in finance and a reputation for smart, tactical guidance, Ben goes beyond finding you a loan — he helps you make confident long-term decisions.

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