• Home Loans

    Home Loans

Home Loans

When you’re ready to make the home of your dreams a reality, Georgia United has several Home Loan Products to choose from! Whether you are a first-time homebuyer, looking to upgrade to your next home, planning for your retirement home, or want to make improvements to your current home, let our Home Loan Consultants guide you through the process to make your dream come true. 

First Mortgage

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

Fixed Rate Mortgage

  • No underwriting fees & no intangible tax  
  • Lower origination fees
  • Low down payment options 
  • Terms from 10 years to 30 years*

First-Time Homebuyer

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

Adjustable Rate Mortgage (ARMS) 

  • 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 

Jumbo Loans 

  • Available for primary and secondary homes 
  • Variety of fixed rate and adjustable rate loans 
  • Competitive rates and low closing costs 
  • Offers jumbo loans on amounts over $453,100 

Second Mortgage 

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
  • Terms from 5 years to 15 years*
  • 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 % APR 
  • Convenient VISA® Card access to your line of credit 
  • Lines of Credit from $5,000 - $250,000
  • Interest only payments available 
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Have additional questions regarding home loans? Contact our experienced team of full-service Home Loan Consultants that can help you select the program that best fits your unique needs. Our Home Loan Consultants can be contacted at:

HomeLoanSales@gucu.org or 888.493.4328 ext. 6850 for scenario questions or new applications.