Stop by and say hello to one of our Home Loan Specialists and experience friendly, efficient guidance on your homeownership journey. You could also keep it online and use our convenient online form.
Are you searching for a QUICK, EASY & LOCAL process for a new Mortgage or Refinance Loan? MyGeorgia IS YOUR SOLUTION.
We provide all of the credit union benefits to individuals who live or work in a 12-county region that includes Banks, Dawson, Habersham, Hall, Jackson, Lumpkin, Rabun, White, Clarke, Madison, Oconee, and Oglethorpe Counties.
Call 770-534-4255 and ask for your LOCAL Mortgage Specialist.
The benefits of a short-term mortgage include:
- Up to 15-year terms
- Low Rates
- Dramatically lower closing costs
- No private mortgage insurance (PMI)
- Payments made directly to MyGeorgia
Check out our financial calculators to find your rate and payment.
A second mortgage – or Home Equity Line of Credit (HELOC) provides an excellent way to borrow against the equity you’ve already established through your first mortgage to finance a renovation project, purchase a vacation home, consolidate debt and more.
Wait…it gets better! Second mortgages feature:
- No closing costs on HELOC (Appraisal fee may be required)
- Minimal $400 - $600 closing costs for Second Mortgage (Appraisal fee may be required)
- Borrow up to 90% of the appraised value or 110% of the Tax Assessment (less the balance of your first mortgage.)
- All loans over $75,000 require an appraisal
- Fixed and variable rates available
- In-house closing available
Terms and conditions subject to change without notice.
To apply for a second mortgage, contact a loan specialist today! 770-534-4255.
Click here for tips on purchasing a home.