First Mortgage Loans

We can put you in the house of your dreams. Just choose the loan option that’s right for you. Whether you're buying your first home or moving up to a bigger and better residence, CCCU is here to help. We offer first mortgages and home equity loans on conventional homes. Our Real Estate Loans offer competitive rates and the high-quality service you've come to expect from CCCU.


Our mortgage loan services features include:

  • Purchase transactions
  • Refinance transactions: rate/term refinance or cash out refinance
  • Conventional, USDA and VA loan programs available
  • Flexible terms up to 30 years, fixed and adjustable rates are available with minimum down payment options
  • Primary residence, second homes and investment (non-owner occupied) properties
  • Zero down payment option on VA loans only*
  • Lot/Land loans***
  • No prepayment penalty on any of our loans
  • NO Intangible Tax on Georgia properties** (other states may qualify for the exemption)
  • On line Rate Monitoring capabilities
  • Available in all 50 states

All mortgage loans are subject to credit approval; rate may vary depending on credit history and underwriting factors; all loan programs, rates, terms and conditions are subject to change at any time without notice. Ask a mortgage loan representative for details.


For more information, contact a Mortgage Financial Service Officer at 404-676-2586 or toll free 877-277-2586 or apply online now.


See Rates and Terms on first mortgage loans.


Until further notice, the Credit Union is not offering first mortgage loans in the following states: New Jersey, New York and Rhode Island.


* VA loans require the borrower to have VA eligibility. Not all VA programs qualify for 100% financing.

** Intangible taxes in Georgia are calculated at a rate of $3.00 per thousand based on the loan amount.

*** Maximum financing is 80%. Flexible terms are available.