First Mortgages

Make Your Dream of Home Ownership a Reality with a First Mortgage Loan

There’s nothing quite as satisfying as owning your own home. Don’t let confusion and worry about obtaining a mortgage be part of the process. When you have a First Mortgage loan from CCCU, you get competitive rates as well as our friendly, expert customer service.

Here are some of the key features of a CCCU First Mortgage Loan:

  • Purchase transactions
  • Refinance transactions: rate/term refinance or cash out refinance
  • Conventional and VA loan programs available
  • Zero down payment option on VA loans only*
  • 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
  • No prepayment penalty on any of our loans
  • No intangible tax on Georgia properties** (other states may qualify for the exemption)
  • Lot/Land loans***
  • Online rate monitoring capabilities
  • Available in all states, except New Jersey, New York and Delaware.

Mortgage Loan Rates and Terms

Get a Personalized Quote

Looking to refinance your current mortgage or to access available equity in your home? Check out our
Second Mortgage and HELOC (Home Equity Line of Credit) options.

Please Note

  • 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.

Ready to Apply?

Start the quick, convenient application process.


ATTN: Existing First Mortgage Holders

View loan statements, make mortgage payments, and much more on our website for existing first mortgage holders.  Register your account HERE.

If you have any questions about an existing mortgage loan or the above website, please call 1-855-731-7245.

If your existing mortgage is not with DMI, please contact us at, or call 877-277-2586 and ask to speak to a Mortgage Specialist.

NOTE: Members who choose to make mortgage loan payments via telephone, will be subject to a payment processing fee of $11.00.


Have Questions?

Please contact a Mortgage Specialist at, or call 404-676-2586, or toll free 877-277-2586.

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

* 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.

NMLS# 400074




Need a loan for a new car, home, or college education? We can help! Check out our competitive rates and apply today.


2.24% APR**


4.00% APR**


10.25% APR**

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