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Search Georgia United Credit Union's website
  • Home Loans

    Home Loans

Home Loans

Make home sweet home happen with a Georgia United home loan. We have home loans for every stage of life so whether you’re looking for your first home, next home or forever home, we can help. Start our easy online application to get pre-qualified today.

Benefits of a Georgia United Home Loan

Better Rates & Lower Fees

Better Rates and Lower Fees
Save money on your home purchase with low rates and lower fees compared to other banks and brokers.

No Intangible Tax

No Intangible Tax
We don't charge you intangible tax. This tax is typically paid by the borrower at closing and is calculated at $1.50 per $500 of the loan. On a $300,000 loan, that's a savings of $900!

Personalized Service

Personalized Service
At Georgia United, you're not just a number. Our dedicated Home Loan Consultants work with you personally to understand your needs and walk you through the process of buying your new home.


Home Loan Rate Calculator


This tool does not calculate rates for Second Mortgages and land/lot loans. Please call 888.493.4328 ext. 6850 or email for current rates.

First Mortgages

Choose from a variety of options including:

Fixed Rate Mortgage

  • No underwriting fees
  • Lower origination fees
  • Low down payment options 
  • Multiple loan terms available

First-Time Homebuyer Loan

  • Financing up to 100% 
  • Lender paid mortgage insurance
  • Gift funds accepted as down payment
  • Flexible adjustable and fixed rates

Adjustable Rate Mortgage (ARM) 

  • Low qualifying rate 
  • Ability to keep payments lower during the early years of the loan 
  • Ideal for those willing to pay off the home loan within 7 to 10 years
  • 3, 5, 7 and 10 year fixed period*

Jumbo Loan 

  • Available for primary and secondary homes 
  • Variety of adjustable and fixed rate loans 
  • Conventional rates on loan amounts up to $650,000
  • Offers jumbo loans on amounts over $453,100 

Second Mortgages 

Borrow against the equity in your existing home to help cover the costs of college, purchase of a second home, consolidate bills or make home improvements. Our Second Mortgage Products include:

Fixed Rate Second Mortgage 

  • 100% financing available on primary residence and up to 90% for second homes
  • Fixed rate over the loan term
  • 5, 10 or 15 year fixed period  
  • No closing costs

Home Equity Lines of Credit 

  • Introductory 1.99% APR* for first six billing cycles
  • After introductory rate, rate will be a variable rate, currently 4.875% APR*
  • Convenient VISA® Card access to your line of credit 
  • Lines of Credit from $5,000 - $250,000
  • Interest only payments available 

Click Here for complete HELOC disclosure details.




Have questions?
 We can help. 

Contact a Home Loan Consultant today.


*6% lifetime cap over the original rate. Interest rate increases and decreases are limited to a 2% year cap.