Home Loans
Find the Perfect Home Loan Solution Tailored Just for You
choose the mortgage option that’s right for you.
We understand that a home is more than just a place to live – it’s an investment in your future. That’s why we offer a variety of home loan products designed to meet your unique needs. Whether you’re a first-time home buyer or simply looking to make some home improvements, our team of expert loan advisors is dedicated to making your dream of homeownership a reality.
Mortgage Pre-Approval
Take the first step in your home buying journey by pre-qualifying for a mortgage. This initial evaluation will help you determine how much house you can afford, based on your unique financial situation.
- No Application fee
- convenient online application
- pre-qualification valid for up to 90 days
- Quick Turn around time
First-Time Home Buyer Loan
Looking to purchase your first home? We’ve got your back! Our First-Time Home Buyer Loan provides low down payment options, competitive loan rates, and flexible qualifying criteria to make your dream home a reality.
- Down payment as low as 3%
- No origination fee pre-payment penalty
- No intangible tax on Georgia properties (other states may qualify for this exemption)**
- HomeView Certificate Required
Adjustable-Rate Mortgages (ARMs)
Dive into homeownership with the flexibility of an Adjustable-Rate Mortgage. Ideal for homeowners who plan to move or refinance within a few years, an ARM provides the opportunity to capitalize on potential rate decreases and make homeownership more affordable.
- lower qualifying rate & Competitive fees
- Keep payments lower during early years of your loan
- No Prepayment Penalty
- no negative amortization
Land Lot Loans
Found the perfect plot of land to build your dream home? We’ve got your financing needs covered with our land lot loans. Designed specifically for the purchase of land, our loans provide versatility and competitive rates for your property investment.
- Minimum 20% down payment required
- Multiple loan terms available
- Repayment options to fit your budget
Jumbo Loans
Our Jumbo Loans are tailor-made for borrowers looking to finance high-end properties or refinance a property that requires financing above the conventional loan limits. If a borrower has a lower debt-to-income ratio, a higher credit score and a larger down payment, a Jumbo Loan may be a good choice.
- Competitive rates and low closing costs
- Loan amounts available up to $1M
- Variety of Adjustable and Fixed-Rate options
- Available for primary or secondary homes
VA Loans
Experience the benefits of homeownership with a VA Loan designed just for eligible veterans, active-duty military personnel, and their spouses.
- Financing up to 100%*
- Competitive interest rates
- No down payment
- No pre-payment penalties
- No private mortgage insurance requirements
Home Equity Line of Credit (HELOC)
Need funds for home improvements, debt consolidation, or a future investment? Unlock the potential of your home’s equity with our flexible HELOC options.
- Easy access to your line of credit using Online Banking
- Lines of credit from $10,000 - $500,000
- Borrow up to 90% of your home's equity
- principal and interest payments
- competitive closing costs
Home Equity Loan
Unlock the power of your home’s value with a Home Equity Loan. Effortlessly tap into your home’s equity for large expenses, debt consolidation, or home improvements.
- Competitive interest rates
- Flexible repayment terms
- Fixed rate for the life of the loan
- Available for primary residences
- 5-year, 10-year and 15-year terms
- Maximum loan amount of $500,000
- No prepayment penalty
Conventional Loans
With low rates and flexible financing, our conventional mortgage loans provide a variety of affordable home financing options. Our mortgage loan specialists work closely with you to select the rate, down payment and terms that meet your financial goals.
- competitive rates and terms
- no prepayment penalty
- fixed and arm rates available
- purchase and cash out available
- cash out refinance up to 80% on primary
get started
Interested in starting the loan process?
Apply NowAre you an existing mortgage holder?
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Contact our home loan experts by filling out the online inquiry form or giving us a call at 404-676-2586 to discuss your needs and learn about our competitive loan options. Discover the home loan products at Coca-Cola Credit Union — the keys to your future are within reach.
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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. *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.
For HELOCs – Rates adjust quarterly based on the published Wall Street Journal Prime Rate as of the last day of each quarter. HELOC’s carry a minimum rate of 3.0% and a maximum rate of 18%. Note: Texas properties are limited to 80% of the available equity. Other restrictions apply to Texas properties. Please call for more details.