Skip to main content


Are you ready to buy your dream home? Georgia United Credit Union provides an array of mortgage options tailored to suit your needs. From application to closing, our home loan consultants will walk you through every step of the process. Let us help you finance your forever home today!

Discover the Benefits of a Georgia United Home Loan

When it comes to getting a mortgage, every detail matters. At Georgia United, we're here to make things easy for you with benefits that help you save money and get your dream home without added stress.
  • Quick and easy application
  • Up to 100% financing for qualified homebuyers*
  • No intangible tax on properties in Georgia - saving members an average of $1,500** on their mortgage
  • Competitive interest rates
  • Lower fees and closing cost
  • Personalized and local service to guide you through the entire process

Get Pre-Qualified for a Home Loan Today

Take the first step toward buying a home with a mortgage pre-qualification***. This initial assessment, tailored to your individual financial situation, will assist you in gauging the loan amount you may qualify for and can be a helpful way to establish a practical budget while you're browsing for your new home. Your pre-qualification is good for 90 days.

Get pre-qualified with our simple and completely free application.

Discover a mortgage Option that brings you comfort

Fixed Rate First Mortgage

A fixed rate mortgage provides consistent payments and protection against higher interest rates. It's ideal for those who prefer reliable monthly payments.

First-Time Homebuyer Loan

Ready to buy your first home? Our first-time homebuyer loan will make it a breeze, with affordable options including lender-paid mortgage insurance and up to 100% financing*.

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) can save you money on your loan in the short term. It is a great option for those who aren't planning to stay in their home for long.

Jumbo Loan

Do you have your heart set on a luxurious property, but require a larger loan to turn it into a reality? A jumbo loan lets you borrow beyond conventional limits while still giving you a fantastic rate. It's a great option for primary residences or a vacation home.

FHA Loans

A FHA loan is a mortgage insured by the Federal Housing Administration. FHA loans present a favorable option for potential homebuyers by offering reduced down payment requirements and flexible credit qualifications.

Veterans Administration (VA) Loan

Georgia United's VA loan offers favorable financing options to those who have served their country, including competitive rates, up to 100% financing**** and exemption from private mortgage insurance.


With USDA loans, homebuyers residing in eligible rural areas and towns have the chance to secure a mortgage with appealing interest rates and no mandatory down payments. This loan offers flexibility in credit requirements, a range of loan terms and affordable monthly mortgage insurance.

Manufactured Home Loans

Looking to finance a mobile home in Georgia? A manufactured home loan provides up to 80% financing, specifically designed for factory-built homes engineered and constructed in compliance with the federal building code set forth by the U.S. Department of Housing and Urban Development (HUD).

Land/Lot Loans

Are you considering the adventure of constructing your dream home? With various loan terms available, a land/lot loan is the perfect option for achieving your goal.

From Applying to the final payment, we've got you covered

Are you feeling overwhelmed by the thought of buying a home? Our team of experienced professionals are here to help you every step of the way without the pressure of purchasing! Whether you're actively searching or just starting to explore your options, let's connect and tackle any questions you may have. Our team is available for a virtual or phone chat, so schedule some time with us today!

Need immediate answers to your questions? Call 888.493.4328 ext. 6850 or email us.


TruStage Auto & Home Insurance

Designed for credit union members, the TruStage Auto & Home Insurance Program***** provides affordable protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
In the early '70s, the credit union extended to me – a single woman under 30 – a mortgage that allowed me to buy a rundown house in the City of Decatur. That house is long paid for and worth a lot more in this rejuvenated town. Back in those days, no other financial institution would consider helping. I will always be grateful!
- Susan T.
I just wanted to let you know that I’m in awe of Georgia United! I spoke to you ten days ago about applying for a HELOC and today we closed on it at the Stockbridge branch. This was the EASIEST and best thing I could have ever done! Every Georgia United employee we dealt with along the way, was very helpful, prompt, kind and a joy to deal with.
- Emanuel C.
Every interaction I had with associates has been very positive for years!!! Never been disappointed. My recent home loan closing experience was perfect. The seller commented on how professional and on point the loan staff were.
- Alicia S.
Buying my first house and using the credit union was the best decision I made. They treated me well and showed how much they care.
- Hector F.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

*Loan amount cannot exceed the fair market value of the dwelling.

**Average savings calculation based on house price of $500,000 with a 30-year fixed rate mortgage.

***A pre-qualification is based on our preliminary review of information provided and limited credit information only and is not a commitment to lend or a guarantee for loan approval. We may offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and property acceptability and eligibility. Pre-qualifications are not available on all products and may expire after 90 days. Contact a Home Loan Consultant for details.

****Borrowers must meet all eligibility requirements for the VA program. Please discuss with a Home Loan Consultant to review current VA eligibility requirements. Requires a one-time fee called a VA funding fee which may be collected at closing or rolled into the loan. The VA funding fee is non-refundable. A down payment is not required if the purchase price and/or cost is not more than the reasonable value of the property as determined by the VA. A down payment may be required in certain circumstances and maximum loan limits vary by county.

*****TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2017

AHE, AHL-1339661.2