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Refinance and Take Control Of Your Mortgage

If you're looking to lower your interest rate or shorten your loan term, or maybe need cash for home improvements, refinancing gives you options so you can decide how—and where—to spend your money. Our experts are on hand to guide you through the process and answer all your questions along the way.

What can refinancing do for you?

Refinancing may be right for you if you're trying to:

  • Lower your interest rate
  • Shorten the life of the loan
  • Pay for home renovations
  • Pay down extra debt
  • Pay for college tuition

Two Great Options - Pick the Best One for You

Don’t settle with having your money locked into your existing mortgage, take control with the refinance option that works best for you.

Cash-Out Refinance

In need of cash upfront? A Cash-Out Refinance lets you take out a portion of your home equity as a lump sum - without the need to sell your home. When making your decision, take into account that the cash taken out may cost you more interest over the life of the new loan.

Home Equity Lines of Credit

Prefer having access to cash when you need it? A Home Equity Line of Credit (HELOC) is a variable rate home equity loan where you can obtain funds when you need them, then pay down the balance and use them all over again. It’s like a credit card, but using the equity you’ve built in your home.

Learn More

 

Still have questions? We're here to help. Use our free calculators or reach out to our mortgage experts by calling 888.493.4328 ext. 6850 or emailing homeloansales@gucu.org.

Ready to get started?

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Dealing with Georgia United has been a wonderful experience for me. Car loans, credit card, regular loans they really came through when I needed them - no hassles or stress. I truly feel like a valued customer.
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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.
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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.
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For something as big as a "HUGE LINE OF CREDIT" against your home, Georgia United made the process pretty effortless and easy. To be able to do most of it online and show up at closing, where it literally took less than 20 minutes, was just way beyond what we could have expected. Everything from start to finish was easy and timely.
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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!
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All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value.

 

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