Skip to main content

Feel at Home with a Mortgage Option that Fits Your Needs

The right mortgage is the key to unlocking your perfect home, no matter your life stage. We're here to help lay the groundwork and set you up for home ownership success. Just let us know what you're trying to accomplish and we'll guide you to the right mortgage product for you.

What are you looking for in a Mortgage?

 

I want a mortgage with the lowest rate for a short-term homeowner.

Learn about Adjustable Rate Mortgages (ARM)

 

I want a mortgage with up to 100% financing for a first-time homebuyer.

Learn about First-Time Homebuyer Loans

 

I want a mortgage with low down payment options and competitive rates.

Learn about Fixed Rate Mortgages

 

I want a mortgage with financing above conventional limits and competitive rates.

Learn about Jumbo Loans

 

Enjoy the Georgia United Difference

Georgia United offers the same mortgage products as many big banks, but with a focus on members, not stockholders. With your interests in mind, we'll make your home buying experience easy, quick and personal. Plus, you'll benefit from the credit union difference:

  • Save money on your home purchase with lower rates and fees, compared to other banks and brokers.
  • Pay no intangible tax for properties located in Georgia. 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!
  • Dedicated Home Loan Consultants work with you to personally understand your needs and walk you through the process of buying your new home.
“
Georgia United took the time to thoroughly explain my options and outline the programs I could qualify for. As a first‑time homebuyer, they were incredibly helpful from start to finish. I never felt stressed because they made me feel comfortable, informed and at ease throughout the process.
- Nhim
“
As a Lending Manager overseeing processing and underwriting, I know what exceptional member service looks like and Georgia United delivered. It was a pleasure to experience the team’s professionalism, warmth and efficiency firsthand.
- Christal & Louis
“
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.
- Dee and Thomas T.
“
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!
- Susan T.
“
Came to this branch yesterday; spoke to the manager about opening an account. I had such great experience, super helpful and informative.
- Maria S.
“
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.
- Emanuel C.
“
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.
- Alicia S.

Start Your Application and Get Pre-Qualified!

Apply Now

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.

NLMS# 483426