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Routing Number: 261071438
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Mortgages
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Mortgage Options
With 100% home financing available, Georgia’s Own can get you into the home of your dreams with little or no money down. Our low fees and local, consultative mortgage specialists will help you through each step of the mortgage process.
Fixed-Rate Mortgages
- Your monthly payments of principal and interest remain the same for the life of the loan
- 10, 15, 20, and 30-year options are available
Adjustable-Rate Mortgages (ARMs)
- Interest rate on adjustable-rate mortgages may change periodically during the loan term
- Your monthly payment may increase or decrease based on interest rate changes
- 5/5 adjustable-rate mortgages available, as well as our
NEW 7/1 ARM
FHA & Veterans Administration (VA) Loans*
- Government loans from the Federal Housing Administration and the U.S. Department of Veterans Affairs
- Low down payment options with flexible credit and income guidelines
*Subject to credit and property approval. All VA rules, guidelines, and additional program requirements will apply. Ask a Mortgage Representative for details.
Construction Loans
- Build your home from the bottom up with a construction loan from Georgia’s Own
- A construction loan can cover both the land and construction of a new home
Refinances
- Lower your payments or pay off your home loan faster with a refinance from Georgia’s Own
- Get cash out for home improvements or other projects
Contact a Mortgage Officer
Reach out to any of our mortgage officers below to get started with your new mortgage or refinance or for any questions!
Mortgage FAQs
What is an ARM (adjustable-rate mortgage)?
What do I need to qualify for a loan?
What do I need to know about the loan process?
What do first time homebuyers need to know about the home buying process?
What do I need to qualify for a Home Equity Line of Credit (HELOC)?
I received a letter/email that my mortgage subservicer is changing, what do I need to do?
Earn Cash Rewards
Through our partnership with HomeAdvantage, use one of our preferred agents to buy or sell your home, and save $100’s to $1,000’s in Cash Rewards*** when you close.
Learn More
***HomeAdvantage is available to you through your credit union membership. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using the credit union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. The credit union may have specific rules on how Cash Rewards will be paid. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union for details that may affect you.
This is our best available Annual Percentage Rate and is for estimation purposes only. Eligibility requirements and fees may apply.
Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Atlanta, GA 30303 Property Type: Existing single family home Property Use: Primary Residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 750 Escrow (impound) account is required. Rate lock period is 60 days. Fees: $3,000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.
Calculate Your Potential Payment
Your Estimated Monthly Payment:
$
APR = Annual Percentage Rate. For estimation purposes only. Eligibility requirements and fees may apply.
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$
With an interest rate of
%
Annual percentage rate for estimation purposes only. Payment examples do not include amounts for taxes and insurance premiums; actual payment obligation will be greater.
Today’s Rates**
**These rates are estimates for purchase transactions only, not refinances. Actual rates may vary depending on your individual credit history and other qualifying factors. Rates, terms, and fees subject to change without notice. Subject to credit approval.
| PRODUCT | RATE | APR |
|---|---|---|
| Conventional 30 Year Fixed | 7.375% | 7.564% |
| Conventional 20 Year Fixed | 7.125% | 7.368% |
| Conventional 15 Year Fixed | 6.750% | 7.047% |
| Conventional 10 Year Fixed | 7.000% | 7.420% |
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Contact a Mortgage Loan Officer Today!
On average, our Mortgage Specialists have a minimum of twelve years of experience in helping members meet their mortgage needs.
Please use Chrome or Microsoft Edge to apply. This application is not compatible with Internet Explorer.
Brett Welborn
404.874.1166 ext 3725
Email Me | NMLS# 1579658
Joseph Kearney
404.874.1166 ext 2106
Email Me | NMLS# 96895
Katherine Kuring
404.874.1166 ext 7376
Email Me | NMLS# 126245
LeVan Patterson
Nick Dewitt