Chat Live
Apply Now
Chat Live
Apply Now
Routing Number: 261174775

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.

Happy family


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.

Happy family