• Mortgages


Transform the home of your dreams into a reality with help from one of the many mortgage loan options from Georgia United. Whether you’re a first-time homebuyer, purchasing a second home for weekend getaways, or thinking about doing an add-on or some renovations, we can streamline the process and help you save. Our full-service mortgage team is with you every step of the way to answer questions and help you choose the mortgage option that’s right for you.


The Georgia United Credit Union Advantage:

  • No intangible tax - which is usually $3/$1000 or .3% with other lenders
  • No underwriting fees – most lenders charge $250-$500
  • We’ve got the lowest origination fee in town at only ¾% - other lenders typically charge 1-2% of the amount financed
  • We offer 95% financing on our 1st Mortgages – which helps you purchase a home with little money down for qualified borrowers.
  • Our variety of 2nd Mortgages offers the flexibility of a line of credit or the comfort of low fixed rates and fixed terms
  • We offer 2nd Mortgages up to 100% of your home's value, for debt consolidation, educational expenses, etc. 

Types of Mortgages

  • First Mortgage Loans
  • Second Mortgage Loans
  • Home Equity Lines of Credit


  • Mortgage Loan Calculator
  • Maximum Mortgage Calculator
  • Refinance Breakeven Calculator
  • How Much Do I Qualify For?
  • Rent vs. Own

First Mortgage Loans

Having your fixed rate first mortgage loan with Georgia United means you can enjoy the security of a monthly principal and an interest payment that never increases. Not planning to stay in your home for a long time? Take advantage of our adjustable-rate and balloon mortgages. Our experienced team of full-service mortgage superstars can help you select the program that best fits your unique needs— we offer terms ranging from 5-30 years.

Equity Builder Home Loan

Our short-term, low-rate mortgage has no origination fees, which makes it an ideal way for you to refinance a higher-rate loan. With terms up to 10 years, you'll save thousands on interest, build equity and pay off your mortgage faster than you ever thought possible.

  • Terms up to five years*
  • Terms from 6-7 years*
  • Terms from 8-10 years*
  • 95% maximum loan-to-value, with the option to take cash out

*Rates are determined by the term selected. Please ask us about our great rates for each term. We will never sell your loan to another lender and there are no minimum loan amounts.

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95% Financing

Georgia United offers 95% first mortgage financing for purchases and refinances. This 80/15/5 program helps you save thousands with low closing costs— plus, we sweeten the deal with low fixed rates and no Private Mortgage Insurance with a 5% down payment.

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Adjustable Rate Mortgage (ARM)

If you’re looking for the lowest possible interest rate while still retaining the security of a fixed rate for just a few years, look no further than our Adjustable Rate Mortgage! The rate is fixed for the first few years of the mortgage and is the perfect loan for first-time homebuyers or for people who plan to move or sell their home within a relatively short period of time.

The rates are fixed for 3, 5, 7 or 10 years. With so many to choose from, you tell us which option works best for your needs!

How much do I qualify for?

Rent vs Own

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So if you’re looking for the best combination of low rates plus low closing costs, a Georgia United ARM is the solution you've been looking for!

  • Rates are fixed for the first 3, 5, 7 or 10 years, depending on the term selected, rates are subject to change after initial fixed period
  • Up to 97% financing available (up to 95% with cash out)
  • Perfect for people planning on moving or selling their home within a short period of time
  • Georgia United offers some of the lowest closing costs in the State
Get moving and Apply Now!

Second Mortgages

Attention, current homeowners: Did you know that a second mortgage with Georgia United offers you a convenient and affordable way to get financing for consumer purchases (such as college costs, a second home, bill consolidation, a new car, home improvement and more)? With this 2nd mortgage, you can tap into the equity you’ve accumulated while living in your current home and put that toward another big purchase.

Click here to apply