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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 homebuyer 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 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 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.**

How to Apply and Get Pre-Qualified

STILL HAVE QUESTIONS?

For questions or assistance, contact our knowledgeable and friendly Home Loan Consultants today.
Call 888.493.4328 ext. 6850 Email Us

Georgia United on "Designing Spaces"

We make homeownership a reality

Georgia United was recently showcased on the tv show, "Designing Spaces", from our Sugarloaf office. "Designing Spaces" is an award-winning home improvement show that travels the country to remodel, redecorate and redesign the spaces we call home. During this segment, you will see what makes Georgia United different and how we make the homebuying experience easy, quick and personal.
Apply for a home loan
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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.
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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.
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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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*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.