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Sweeten up the home buying experience with a Georgia United home loan. No matter where you are in life's journey, we have the lending options for you. Enjoy our quick and easy application process and get pre-qualified today.

Feel at home with a mortgage option that fits your lifestyle

Mortgage Pre-Qualification

Take the first step in your home buying journey by pre-qualifying for a mortgage. This initial evaluation will help you determine how much house you can afford, based on your unique financial situation.

  • No application fee
  • No mortgage commitment
  • Convenient online application
  • Pre-qualification valid for up to 60-days

Fixed Rate First Mortgage

With a Fixed Rate First Mortgage, you'll enjoy options that fit with your life, including low down payment and flexible terms.

  • No underwriting fees
  • Lower origination fees
  • Low down payment options
  • Flexible terms available

First-Time Homebuyer Loan

Buying your first home is one of life's big milestones. Unlock the opportunity with a loan made to help with this accomplishment.

  • Financing up to 100% for eligible first-time homebuyers*
  • Lender paid mortgage insurance
  • Gift funds accepted as a down payment
  • Flexible fixed and adjustable-rate terms

Adjustable-Rate Mortgage

Not sure if it's your forever home? This short-term lending option comes with all the flexibility you need, plus the lowest possible interest rate.

  • A lower qualifying rate, which allows for increased buying power
  • Ability to keep payments lower during the early years of their loan
  • Ideal for buyers that plan to move or pay off the mortgage within the next 7 to 10 years
  • Buyers that expect their household income to increase significantly in the coming years

Jumbo Loan

Looking to buy a high-end home or refinance a property that requires financing above the conventional limits? Our Jumbo Loan offers competitive rates and the ability to finance your ultimate dream home.

  • Conventional rates on loan amount up to $2,500,000
  • Loan amounts up to $5,000,000
  • Available for primary and second homes
  • Variety of adjustable and fixed-rate options
  • Competitive rates and low closing costs
  • First and second combination loans available

FHA Loans

FHA loans allow buyers to overcome some of the biggest hurdles in buying a home, and allow them to become homeowners sooner rather than later. 

  • Lower down payment requirements
  • Flexible credit qualifications
  • Competitive interest rates
  • Flexible terms available


Veterans Administration (VA) Loan

You've dedicated so much to your country, you deserve to come home to a place that has everything you want and need. The added benefit of little to no down payment required and competitive interest rates makes it that much more attainable.

  • Financing up to 100%**
  • No private mortgage insurance
  • Competitive interest rates
  • No pre-payment penalties


Get back to nature and build that home of your dreams in the countryside with no down payment required.

  • No down payment required
  • Flexible credit requirements
  • Competitive interest rates
  • Low monthly mortgage insurance
  • Multiple loan terms available

Manufactured Home Loans

Manufactured homes consist of factory-built homes that have been engineered and constructed in accordance with the federal building code administered by the U.S. Department of Housing and Urban Development (HUD).

  • Purchase or limited cash out
  • Minimum down payment required
  • Limit to financing in Georgia only

Land/Lot Loans

Thinking of taking on the task of building your perfect dream home? Then our land/lot loan is the perfect avenue for you!

  • Minimum down payment required
  • Multiple loan terms available

From Applying to Closing, We're Here for you

Refinance Your Mortgage

Whether you’re interested in refinancing your mortgage to lower your interest rate or pulling out some cash to finance a home renovation, we will work with you personally to understand your needs and walk you through the entire process.


TruStage Auto & Home Insurance

Designed for credit union members like you, the TruStage Auto & Home Insurance Program*** provides affordable protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
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.

**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

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