We Have the Mortgage Loan For You

If you're looking to buy your first new home, refinance an existing mortgage, or take advantage of your home's value with a home equity line of credit, Georgia Federal Credit Union is here to help you. We offer a full-service mortgage loan department with staff that can help you every step of the way.

View our Mortgage Brochure

Your Credit Union is a great place for your mortgage loan – whether you’re a first time home buyer or buying that second home for family retreats! We’ll save you money AND explain everything up front. Here are eight great reasons to call Georgia Federal Credit Union first whenever you’re in the market for a mortgage, equity loan or land loan:

• GFCU charges no intangible tax - which is usually $3/$1000 or .3% with other lenders
• GFCU charges no underwriting fees – most lenders charge $250-$500
• GFCU charges no processing or document prep fees – which are generally $250-500 elsewhere
• GFCU has the lowest origination fee in town at only ¾% - other lenders typically charge 1-2% of the amount financed
• GFCU offers 100% financing on our 1st Mortgages – which helps you purchase a home with little or no money down
• GFCU has a Lot purchase program that requires $0 down payment
• GFCU’s variety of 2nd Mortgages offer the flexibility of a lines of credit or the comfort of low fixed rates and fixed terms
• GFCU offers 2nd Mortgages to 100% of your home’s value for debt consolidation, educational expenses, etc…

Contact any GFCU branch, our mortgage loan department, or one of our e-branch representatives at extension 7003 to learn more about our mortgage loan programs today.

First Mortgages
Financing your home is one of the most important decisions you'll ever make. Be sure and make the right decision about which mortgage is best for you.

Our fixed-rate mortgages provide the security of a monthly principal and interest payment that never increases. The lower rates of our adjustable-rate and balloon mortgages may be right for you if you're not planning on staying in your home for a long time. With terms as long as 30 years or as short as 5 years, we will work with you to determine the program that best fits your individual needs.

First-Time Home Buyers
If you're just starting out, have a limited down payment, or limited credit history - our mortgage experts are here to assist you through the entire mortgage process, from application to closing. We have developed specific programs designed to meet the needs of first-time homebuyers.

Second Mortgages
Fixed-rate second mortgages are available on primary residences and second homes with loan-to-value up to 100%. This loan is one of the fastest ways to secure cash for home improvements, debt consolidation, and more.

Home Equity Line of Credit
If you already own a home, you have a convenient and affordable way to obtain financing for consumer purchases such as paying for college costs, a new car, bill consolidation, or a second home. This line of credit taps into the equity you've accumulated in your home and puts it to work for you.

• Credit lines form $10,000-$250,000+
• 100% financing available
• No closing costs with qualifying draw
• Interest-only payments available
• Interest you pay may be deductible on your taxes (consult your tax advisor for eligibility)

Interested in getting started on your Home Equity with GFCU? Go ahead and download our easy to complete checklist to make the application process that much faster.

Land Loans
Plan and invest for the future. You may have dreams of a retirement home in the mountains, or you might want to invest in land that could provide a good return in the future. We offer up to 100% financing for lot purchases.

Refinancing Options
Times change, and so do rates. If you financed your home in the days of high interest rates or are interested in bringing your mortgage to your Credit Union, we'd be happy to see how we can assist you in refinancing your loan.