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First-Time Homebuyer Loan

Confidently start off your homebuying journey by leaning on our expertise to help you find a first-time home-buyer mortgage with lower interest rates and down payments.

Ready To Buy Your First Home?

Buying your first home is a big deal. Look to Georgia United to help you start homeownership off on the right foot. We are here to help you expertly navigate the twists and turns and explain all the mortgage options available to help you get into your first new home.

  • Financing up to 100% for eligible first-time homebuyers*
  • Lender paid mortgage insurance

  • Financial gifts from friends and family accepted as a down payment
  • Flexible, fixed and adjustable-rate terms

 

The Benefits Of Owning Your Own Home

 
Freedom

Perhaps the most straightforward benefit of owning your first new home will be the chance to customize it to fit your own unique style. The dream home you always imagined will soon become a reality with your newly found freedom to renovate, design, and decorate till your heart’s content.

 
Opportunity to Build Equity

There’s no better way to start building your credit than becoming a homeowner. As you continuously make on-time mortgage payments every month, the equity in your home will increase thus enabling you to use it towards student loan payments, home renovations, and other smart investments.

 
Tax Advantages

As a homeowner, both mortgage interest and property taxes may be deductible from your annual income tax.**

STILL HAVE QUESTIONS?

For questions or assistance, contact our knowledgeable and friendly Home Loan Consultants today.
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.

*Must be a Georgia United member to apply. A First-Time Homebuyer is defined as an individual who has had no ownership in a principal residence during the three-year period ending on the date of purchase of the property. This offer is available only for owner-occupied primary residences located in the state of Georgia.

**Not intended as tax advice. Please consult a tax professional before making decisions regarding your mortgage.