Loan Products
Because you’re not just buying a house — you’re building a life.
At Credit Union of Georgia, your home loan is more than a transaction. It’s a local partnership. Our team lives and works right here in your community, so we understand the neighborhoods, the market, and what matters most to families like yours.
As a credit union, we do things differently than traditional banks. Your deposits and loan payments stay local, helping support our community and allowing us to offer competitive rates and more flexible options, not profits for outside shareholders.
We take the time to understand your goals, walk you through your options, and match you with a solution that fits your life and your budget without the pressure or confusion.
- Construction
- If you can't find the right home to buy, you might consider building a home instead. Construction loans are short-term loans that you can utilize to fund the building of a new home. Construction loa
- Land
- If you are considering purchasing land and plan to build your dream home later, a land-only loan might be a suitable option for you. Here are some key features to consider:
1. A land-only loan is s
- Fixed Rate Mortgage
- A fixed-rate mortgage is a home loan with a fixed interest rate for the entire term of the loan. Once locked in, the interest rate does not fluctuate with market conditions. We offer loan terms of 1
- Adjustable Rate Mortgage (ARM)
- An adjustable-rate mortgage, or an "ARM" as they are commonly called, is a loan type that offers a lower initial interest rate than most fixed-rate loans.
The trade-off is that the interest rate can
- Pre-Approval
- A mortgage pre-approval allows the Credit Union of Georgia to evaluate your financial information and give you an estimate of how much you can borrow to buy a home. A mortgage pre-approval shows that
- Government Loan Programs
- Homeownership doesn’t have to feel out of reach. With these government-backed loans, we make it possible for our borrowers to overcome upfront cost barriers and navigate the process with confidence. O