If you’re looking to buy a home in Cherokee County, Georgia, but feel held back by the size of the down payment, there’s good news: the Conventional 1% Down Mortgage Program is now available — and it’s helping more homebuyers get into homes with less cash upfront.
As a local mortgage expert, I’m excited to offer this unique opportunity to buyers in Woodstock, Canton, Holly Springs, and surrounding areas.
🏡 What Is the Conventional 1% Down Program?
The 1% Down Program is a low down payment conventional loan option that allows qualified buyers to put down just 1% of the purchase price, while a lender-paid grant covers an additional 2% — bringing you to a total of 3% equity from day one.
This means that on a $300,000 home, you could get in with just $3,000 down — no second mortgage, no repayment of the grant, and no catch.
✅ Who Qualifies for the 1% Down Program?
This program is a great fit for:
First-time homebuyers
Buyers with good credit (usually 620 or higher)
Buyers whose income falls within qualifying limits for Cherokee County
Those purchasing a primary residence
Wondering if you qualify? I offer free pre-approvals and consultations to walk you through your options.
📍 Why It’s Perfect for Cherokee County Buyers
With home prices steadily rising across Cherokee County, especially in areas like Woodstock, Canton, and Towne Lake, saving up for a traditional 5%–20% down payment can feel overwhelming. This 1% Down Program offers a much-needed boost to local families, first-time buyers, and young professionals looking to own instead of rent.
📊 Program Highlights
Only 1% down payment required from the buyer
No repayment of the 2% lender contribution
Works for single-family homes, townhomes, and condos
No mortgage insurance surprises — standard PMI applies like other conventional loans
Available for purchases up to the conforming loan limit ($806,500 in Georgia for 2025)
🔑 Why Work with Mortgage Mario?
As a Cherokee County-based loan officer, I’m passionate about helping local homebuyers get the best deal possible. I live here, I work here, and I know how to match you with the right loan — without the stress.
✅ Personalized service
✅ Fast pre-approvals
✅ Bilingual support (English & Spanish)
✅ Competitive rates with Barrett Financial Group
📞 Let’s See If You Qualify
Ready to find out if the 1% Down Program is right for you? I’d love to help.
📲 Call or text me at 678-920-2747
🌐 Visit: www.MortgageMario.com
📍 Serving all of Cherokee County and North Metro Atlanta