Search Georgia United Credit Union's website
Search Georgia United Credit Union's website
  • First Mortgages

    First Mortgage

First Mortgages

When it's time to take a step toward home ownership, Georgia United is here to make it happen! Our First Mortgages include:

 

First-Time Homebuyer Loans

Our First-Time Homebuyer Products* offer great benefits that include:

  • Financing up to 100% for eligible first-time homebuyers
  • Lender paid mortgage insurance
  • Gift funds accepted as a down payment
  • Flexible fixed and adjustable rate terms
*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. 
  
Apply Today   Calculate Rates

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


Fixed Rate First Mortgages

  • No underwriting fees
  • No intangible tax
  • Lower origination fees
  • Low down payment options
  • Multiple loan terms available 
Apply Today   Calculate Rates

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


Adjustable Rate Mortgages (ARMs)

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. Georgia United offers ARMs in a variety of terms. Financing up to 100% available for eligible terms. Other features include:

  • A lower qualifying rate, which allows for increased buying power
  • Ability to keep payments lower during the early years of their loan
  • If the buyer plans to move within the next 7 to 10 years
  • Ideal for buyers that plan to pay off the mortgage within the next 7 to 10 years
  • Buyers that expect their household income to increase significantly in the coming years

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


Jumbo Loans

A Jumbo Loan is available for members who are in the market for a high-priced or luxury home. If you need to borrow above the conventional limits of $453,100, a Jumbo Loan may be right for you.

Our Jumbo Loan features include:

  • Conventional rates on loan amounts up to $650,000
  • Loan amounts up to $5,000,000
  • Available for primary and second homes
  • Variety of adjustable and fixed rate options
  • Competitive rates and low closing costs
  • Georgia United also has first and second combination loans available 
Apply Today   Calculate Rates

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


Manufactured Home Loans

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
Apply Today   Calculate Rates

This tool does not calculate rates for Second Mortgage and land/lot loans. Please call 888.493.4328 ext. 6850 or email homeloansales@gucu.org for current rates.


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
  • Multiple loan terms available 
Apply Today