Flexible mortgage options tailored to you.
No hidden fees — just honest, transparent guidance.
Whether you’re purchasing a new home, refinancing, or accessing equity, Credit Union of Georgia offers mortgage solutions built to support your financial goals. From fixed-rate Home Equity Loans to flexible Home Equity Lines of Credit (HELOC) options, our local team is here to guide you with competitive rates, personalized service, and a streamlined lending process.
HELOC
Tap into your home’s equity with a flexible line of credit. Use what you need, when you need it. Open it now, use it whenever. Perfect for projects, education and emergency funds.
- Access to funds as needed
- Interest-only payment options
- Ideal for recurring or unpredictable expenses
Home Equity Loans
A Home Equity Loan lets you borrow against your home’s equity at a fixed rate with predictable payments. With competitive rates, our home equity options are better than most.
- Fixed interest rate
- Consistent monthly payment
- Great for large expenses or consolidating debt
What you’ll need to get started.
Get pre-qualified or apply.
Start your homebuying journey with a mortgage pre-qualification.
This quick, personalized assessment helps you estimate how much you may be eligible to borrow—giving you a clearer picture of your budget as you explore homes. Your pre-qualification is valid for 90 days, giving you time to shop with confidence. Get started today with our fast, free application.
Why Should I get Pre-Approved?
Getting pre-approved for a Home Equity Loan is a smart first step that gives you clarity, confidence and a competitive edge. It’s more than just a formality; it’s a strategic move that can save you time, money, and stress.
What Options do I have to Borrow Against my Home’s Equity?
Your home can be a powerful financial asset. We can help you understand the different ways you can borrow against your home’s value.
Voted Best of Georgia 2024 – Thank you for trusting us with your home financing journey.
5-Star Service You Can Count On
“From the moment I reached out about a HELOC, Credit Union of Georgia made everything simple and stress-free. Their team was responsive, kind, and helped me get what I needed fast. Highly recommend!”
– CUGA Member
Frequently asked questions.
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A HELOC is a revolving line of credit you can draw from as needed, while a Home Equity Loan is a one-time lump sum with fixed payments.
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Yes — both HELOCs and Home Equity Loans require that you have sufficient home equity built up.
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The amount you can borrow depends on your home’s value, current mortgage balance, and creditworthiness.
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Absolutely. You can use your HELOC or Home Equity Loan for home improvements, debt consolidation, education, medical expenses, or other major purchases.
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No — these are separate from your first mortgage and won’t change your existing loan.
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You can apply online directly from this page — just click “Apply Now” on the option that fits you best
