• Mortgages


When you’re ready to make the home of your dreams a reality, Georgia United has several mortgage options to choose from! We help make home sweet home happen at any stage in your life. Whether you are a first-time homebuyer, looking to upgrade to your next home, planning for your retirement home, or simply want to make some improvements to your current home, let our mortgage experts guide you through the process to make your dream come true.


We offer:

All of our mortgage loans feature:

  • No underwriting fees
  • No intangible tax
  • Lower origination fees
  • Low down payment options 

First Mortgage Loans

Our experienced team of full-service mortgage loan professionals can help you select the program that best fits your unique needs.

Our mortgage sales team can be contacted at:

mortgagesales@georgiaunitedcu.org or 770.476.6400 ext. 6850.

First Time Homebuyer Product

When it’s time to take a step toward homeownership, Georgia United is here to help make it happen!

Our new First Time Homebuyer product offers great benefits that include:

  • Lender paid mortgage insurance
  • Gift funds accepted as a down payment
  • Flexible fixed and adjustable rate terms

If you are a first time homebuyer, or have had no ownership of a principal residence within the last three year period, we invite you to take advantage of this opportunity.

Adjustable Rate Mortgage (ARM)

If you’re not planning on staying in your home very long, consider that an ARM might be the best fit for you. ARMs offer you the lowest possible interest rate while allowing you to enjoy the security of a fixed rate for the first few years.

  • Rates are fixed for the first 3, 5, 7 or 10 years, depending on the term selected. Rates are subject to change after the initial fixed period
  • Up to 97% financing available (up to 80% with cash out)

Manufactured Homes

Manufactured homes consists 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). 

For our manufactured home loans we offer:               

  • Purchase or limited cash out
  • Up to 80% financing
  • Limit to financing in Georgia only


Ask our mortgage loan professionals for more details! 

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! Benefits include:

  • Up to 80% financing
  • Includes 5, 10 or 15 year terms

Let us provide the financing to help you build your dream home!