Home Loans
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.
Home Purchase or Refinance
With the help of Credit Union Financial Services (CUFS), MyGeorgia offers a wide range of first mortgage loans – including Conventional, FHA, ARM, USDA, and VA.
Of course, with interest rates at such historically low levels, our in-house mortgage program might be the right choice for you! Your family could be mortgage free in just 10-15 years.
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
To learn more about these mortgage products, contact a MyGeorgia loan specialist today at 770-534-4255. Click here for tips on purchasing a home.
Second Mortgages
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.
