Why Choose Credit Union of Georgia for Your Home Loan?
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.
Built for the Way You Buy, Build, and Borrow
Government Loan
Programs
Opening the Door, Without the Barriers
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. Our team is here to simplify each step so you can move forward without the stress.
FHA Loan • VA Loan • USDA Loan
First-Time Homebuyer Options
& Down Payment Assistance
More Support. Less Upfront Stress.
Buying your first home should feel exciting, not overwhelming. Our First-Time Homebuyer options are built to help ease the financial pressure that often comes with buying, giving you more freedom to focus on finding the right home instead of worrying about whether it’s possible and how to make it work.
Conventional, Fixed-Rate
Mortgages
Predictable Payments, Long-Term Peace of Mind
Conventional loans are the most popular mortgage option for a reason. With consistent monthly payments and protection from rising interest rates, they offer the predictability many homeowners want. Ideal for borrowers with strong credit who plan to stay put, this option makes it easier to budget confidently and settle into your home for the long run.
Adjustable Rate Mortgages
(ARM Loans)
Lower Rates Now, Flexibility for What’s Next
ARMs typically start with lower interest rates and monthly payments, helping you save in the early years of your loan and potentially build equity faster. Designed for buyers who don’t plan to stay long-term, this option offers flexibility as rates adjust over time, with expert guidance to help you understand how it all works.
Land & Lot Loans
and Construction Loans
Secure the Land, Build Your Home, Your Way
The perfect home doesn’t always exist yet, sometimes you have to create it. We make it easy to purchase the right property now and build when the time is right with our Land & Lot Loan and our Construction Loan. With flexible terms and interest-only payments for up to 12 months during the construction phase, you can bring your vision to life at your own pace.
Home Equity Line of Credit
(HELOC)
Put Your Home’s Equity to Work
Your home is more than where you live, it’s a resource. A HELOC allows you to tap into your home’s equity with a flexible line of credit that can be used for more than just home improvements. From funding non-structural renovations to covering life’s bigger expenses, you’ll have access to funds when you need them, with a fixed rate and predictable payments that help you plan with confidence.
Fixed-Rate Option • Floating Rate Option
Why Homebuyers Choose Credit Union of Georgia:
- A simple, streamlined application process
- Flexible financing, up to 100% for qualified buyers
- Competitive rates that help you save more over time
- Local experts who know your market
- Personalized guidance from start to finish
- Direct access to your lending team
- Pre-qualification that puts you one step ahead
- In-house processing for a smoother experience
- Award-winning service you can trust
- Simple, convenient payment options
Pre-Qualification: Take the Guesswork Out of House Hunting
Whether you’re upgrading, downsizing, exploring a new area, or simply ready for something new, getting pre-qualified makes the entire process easier. It gives you a clear starting point by estimating how much you may be able to borrow, helping you define a realistic price range before you begin your home search.
Pre-qualification is a quick, no-cost, no-commitment way to get a ballpark understanding of your buying power. Based on your financial picture, we’ll provide an estimate tailored to you so you can move forward with confidence.
It’s a simple first step that gives you a meaningful advantage, helping you shop smarter, act faster, and stay within your budget. Your pre-qualification is valid for 90 days, giving you time to explore your options and find the right home.
You’re Closer to Homeownership Than You Realize
Buying a home should feel exciting, not overwhelming, and it may be more within reach than you think. You don’t always need a large down payment to get started. With options available for as little as 0% down for qualified borrowers, we offer solutions designed to help you move forward with confidence.
Our Down Payment Assistance Programs and First-Time Homebuyer Program are available to first-time and repeat buyers who qualify. Through partnerships with trusted community organizations and government-backed programs, we’re able to provide a range of options that help reduce upfront costs and make homeownership more attainable, even in today’s crazy market.
Whether you’re buying your first home or simply need help getting started, our experienced mortgage team is here to guide you every step of the way. With the right support, resources, and programs, we’re committed to helping turn your homeownership goals into reality.
First-Time Homebuyer Program • FHA Loan • VA Loan • USDA Loan
Your Home Loan Specialists
Rosey Duff
Rosey.Duff@cuofga.org
678-322-2269
NMLS# 2401423
Branches Serviced:
Hickory Flat
Canton
Towne Lake
Joe Menna
Joe.Menna@cuofga.org
678-322-2231
NMLS# 205990
Branches Serviced:
Marietta
Johnson Ferry
Justin Jordan
Justin.Jordan@cuofga.org
678-322-2093
NMLS# 256345
Branches Serviced:
West Cobb
Jiles
We have been with the Credit Union of Georgia for 12 years now! We recently did a refinance on a loan with a lower interest rate. Even our closing attorney couldn’t believe how great the rate was! The team answers their calls and respond quickly with emails. They knocked it out of the park – my family and I really appreciated the service we received. Reach out to the Credit Union of Georgia for all your banking needs!
