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Mortgages

While banks tighten requirements, Georgia United Credit Union is opening doors with innovative financing to make homeownership more accessible.
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Find Your Way Home

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.

The Right Mortgage for Your Next Move:

  • Competitive Rates
  • Lower Fees and Closing Cost
  • Low and No Down Payment Options
  • Member-Focused Service
  • No Intangible Tax on Properties in Georgia
  • Special Savings for Teachers and School Employees

Our mortgage calculator also helps you see what you can comfortably afford before you start house hunting. By estimating your monthly payment based on home price, down payment and loan terms, you'll gain realistic expectations to shop with confidence.
Calculate your budget now.


Featured Mortgages

FlexStart ARM

Get the benefit of lower monthly payments for the first two years while you get settled. It’s a great option if you expect to move or refinance in the next couple of years and want maximum affordability upfront.

  • Lower payments for the first 2 years
  • Fixed rate to start, then adjusts over time
  • Lowest initial rate and payment option
Apply Now

Extended Advantage ARM

Make your monthly payment more affordable with a longer term. With added time to repay, keep your budget on track and explore homes that may be out of reach when a standard mortgage option isn't enough.

  • Steady, low payments for extended period 
  • A longer payoff window than traditional mortgages
  • 100% financing available*
Apply Now

Open Door 100

Buy your dream home with $0 down. This loan provides 100% financing*, allowing you to purchase a home even if you haven’t saved much. It offers a down payment-free path into homeownership for buyers who need it.

  • $0 down payment
  • Lender-paid PMI
  • No income restrictions
Apply Now

Other Mortgage Options

Stable monthly payments for borrowers who want predictable long-term financing.

  • Consistent principal and interest payments
  • Available in multiple term lengths
  • Great for long-term budgeting
Apply Now

An adjustable rate mortgage (ARM) can be a smart way to lower your upfront costs while keeping future flexibility.

  • Lower initial rate for reduced early payments
  • Fixed rate for the first few years, then adjusts over time
  • Helps boost buying power upfront
  • Good if you expect income growth or plan to move sooner
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A flexible loan option popular with first-time buyers and borrowers with lower down payments.

  • Lower down payment options
  • Flexible credit requirements
  • Useful for many first-time buyers
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Financing for homes that exceed standard conforming loan limits.

  • Higher loan amount options
  • Useful for luxury or high-value homes
  • Flexible structure depending on borrower profile
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Build your future from the ground up.

  • Up to 20 acres
  • Down to 620 credit score
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Financing solutions for qualified manufactured home purchases.

  • Built for eligible manufactured homes
  • Flexible terms based on property type
  • Can support primary homeownership goals
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A rural housing option that may allow qualified buyers to purchase with little money down.

  • 100% financing* for eligible borrowers
  • Property eligibility applies
  • Income limits may apply
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Designed for eligible veterans, active-duty service members, and qualifying spouses.

  • Flexible qualification benefits
  • Competitive financing options
  • Low down payment opportunities, including up to 100% financing*
Apply Now

 

No Commitment, Just Clarity

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 120 days.

Get Prequalified What You’ll Need >

Here for every question, every step

Buying a home can be overwhelming, so our local experts are here to provide clear, no-pressure answers. Whether you're ready to apply or just exploring your options, let's connect to plan your path to homeownership.

Talk to a Mortgage Pro

“
Georgia United took the time to thoroughly explain my options and outline the programs I could qualify for. As a first‑time homebuyer, they were incredibly helpful from start to finish. I never felt stressed because they made me feel comfortable, informed and at ease throughout the process.
- Nhim
“
As a Lending Manager overseeing processing and underwriting, I know what exceptional member service looks like and Georgia United delivered. It was a pleasure to experience the team’s professionalism, warmth and efficiency firsthand.
- Christal & Louis
“
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.
“
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.

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FIND A MORTGAGE SOLUTION

Disclaimer: This calculator is for general education purposes only and is not an illustration of current Georgia United Credit Union products and offers.

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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.

VA program: Borrowers must meet all eligibility requirements. 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.

**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 120 days. Contact a Home Loan Consultant for details.