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Feel at Home with a Mortgage Option that Fits Your Needs

At Georgia United Credit Union, we have some of the lowest rates around so you can get your money’s worth in today's market. Whether you're in the market for a new home or wanting to make some improvements to your existing one, we have mortgage options to fit your needs. Just let us know what you're trying to accomplish and we'll guide you to the right mortgage product for you.

Fixed-Rate Mortgage

With a Fixed Rate First Mortgage, you'll enjoy options that fit with your life, including low down payment and flexible terms.

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

First-Time Homebuyer Loan

Buying your first home is one of life's big milestones. Unlock the opportunity with a loan made to help with this accomplishment.

  • 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

Adjustable-Rate Mortgage (ARM)

Not sure if it's your forever home? This short-term lending option comes with all the flexibility you need, plus the lowest possible interest rate.

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

Jumbo Loan

Looking to buy a high-end home or refinance a property that requires financing above the conventional limits? Our Jumbo Loan offers competitive rates and the ability to finance your ultimate dream home.

  • Conventional rates on loan amount up to $850,000
  • 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
  • First and second combination loans available

Not ready to buy yet?

Start a home renovation project and make your current home feel like new with a Home Equity Line of Credit (HELOC). This revolving credit line is secured by the equity that you've built in your home and works like a credit card so you only pay interest on the funds you use.


Ways To Apply

Still have questions? We're here to help. Use our free calculators or reach out to our mortgage experts by calling 888.493.4328 ext. 6850 or emailing


Calculate a Mortgage payment

Use this mortgage calculator to 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.


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.
Came to this branch yesterday; spoke to the manager about opening an account. I had such great experience, super helpful and informative. I will definitely be joining the credit union when I become a permanent resident of Georgia.
- 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.
I've never belonged to a credit union before, and the experience was much better than the bank I've used for the last 10 plus years...Not to mention the interest rates are great as well.
- Michael M.
The ease of the process of becoming a member, the knowledge, kindness and courtesy of the staff was exceptional! This experience was our best so far out of all our banking relationships! We have already brought family members to become members and we will bring more! Keep up the great work!
- Henry B.
This bank has been amazingly helpful from the first day I opened my account.
- Selena B.
It was a very rewarding experience and it feels like a family you just become a part of. I matter and that is big.
- Barbara C.

Start Your Application and Get Pre-Qualified!

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.

NMLS# 483426