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Effortlessly Secure Your Dream Home

Are you on the hunt for a new home? Georgia United Credit Union has a range of mortgage options that cater to any budget. Whether you're looking for a low or no down payment option or a jumbo loan, financing your home has never been easier with Georgia United. Enjoy a fantastic rate, fewer fees and a local team of friendly experts to guide you every step of the way. Let's make your dream of owning a new home a reality.

Why get a mortgage with Georgia United?

No Down Payment

With up to 100% financing options for qualified buyers*, achieve your home buying dreams without the need to put any money down.


Increased Savings

Enjoy lower rates and closing costs. Plus, with no intangible tax on properties in Georgia, members save an average of $1,500**.


Dedicated Local Service

Our experienced team will be with you every step of the way and can answer any questions you have without the pressure of purchasing.


we have a variety of loan options to fit your needs

Fixed Rate First Mortgage

A fixed rate mortgage provides consistent payments and protection against higher interest rates. It's ideal for those who prefer reliable monthly payments.

First-Time Homebuyer Loan

Ready to buy your first home? Our first-time homebuyer loan will make it a breeze, with affordable options including lender-paid mortgage insurance and up to 100% financing*.

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) can save you money on your loan in the short term. It is a great option for those who aren't planning to stay in their home for long.

Jumbo Loan

Do you have your heart set on a luxurious property, but require a larger loan to turn it into a reality? A jumbo loan lets you borrow beyond conventional limits while still giving you a fantastic rate. It's a great option for primary residences or a vacation home.

FHA Loans

A FHA loan is a mortgage insured by the Federal Housing Administration. FHA loans present a favorable option for potential homebuyers by offering reduced down payment requirements and flexible credit qualifications.

Veterans Administration (VA) Loan

Georgia United's VA loan offers favorable financing options to those who have served their country, including competitive rates, up to 100% financing*** and exemption from private mortgage insurance.


With USDA loans, homebuyers residing in eligible rural areas and towns have the chance to secure a mortgage with appealing interest rates and no mandatory down payments. This loan offers flexibility in credit requirements, a range of loan terms and affordable monthly mortgage insurance.

Manufactured Home Loans

Looking to finance a mobile home in Georgia? A manufactured home loan provides up to 80% financing, specifically designed for factory-built homes engineered and constructed in compliance with the federal building code set forth by the U.S. Department of Housing and Urban Development (HUD).

Land/Lot Loans

Are you considering the adventure of constructing your dream home? With various loan terms available, a land/lot loan is the perfect option for achieving your goal.

Not sure where to get started? Schedule an appointment today with a friendly home loan consultant who can answer your questions and guide you through your options.

Get Pre-Qualified for a Home Loan Today

Ready to take the first step toward your dream home? The first step is simple; get pre-qualified! This easy application will give you an idea of what you can comfortably afford. It's free, won't affect your credit score and there's no obligation or commitment. Your pre-qualification**** is good for up to 90 days – giving you plenty of time to explore your options and find your dream home!

Take the Mystery out of Mortgage Payments

Calculate estimated monthly mortgage payments, rate options, closing costs and more. Please fill in the required information below. To see results, hit submit and scroll. Results will appear below the calculator.

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.
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.
Buying my first house and using the credit union was the best decision I made. They treated me well and showed how much they care.
- Hector F.

Start Your Application Today!

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. Membership eligibility restrictions and qualifications apply. Membership requires a $5 opening deposit plus a $5 one-time, nonrefundable membership fee. Not all applicants will qualify.

*Loan amount cannot exceed the fair market value of the dwelling.

**Average savings calculation based on house price of $500,000 with a 30-year fixed rate mortgage.

***Borrowers must meet all eligibility requirements for the VA program. Please discuss with a Home Loan Consultant to review current VA eligibility requirements. Requires a one-time fee called a VA funding fee which may be collected at closing or rolled into the loan. The VA funding fee is non-refundable. A down payment is not required if the purchase price and/or cost is not more than the reasonable value of the property as determined by the VA. A down payment may be required in certain circumstances and maximum loan limits vary by county.

****A pre-qualification is based on our preliminary review of information provided and limited credit information only and is not a commitment to lend or a guarantee for loan approval. We may offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and property acceptability and eligibility. Pre-qualifications are not available on all products and may expire after 90 days. Contact a Home Loan Consultant for details.

NMLS# 483426