First Mortgages

We Can Help You Accomplish Your Dream of Home Ownership

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
  • 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)
  • Online rate monitoring capabilities
  • Available in all states, except New Jersey, New York and Rhode Island.

CCCU Mortgage Rates and Terms

View rates and terms for various types of mortgage loans.

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.

Have Questions?

Please contact a Mortgage Specialist at 404-676-2586 inside Atlanta, 877-277-2586 outside Atlanta.

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.

CHECK OUT TODAY'S RATES

CHECK OUT TODAY’S RATES

VIEW ALL

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

AS LOW AS

2.24% APR** APPLY NOW

AS LOW AS

4.00% APR** APPLY NOW

AS LOW AS

10.25% APR** APPLY NOW

ATTENTION

 

Credit Union Closing Early

The Financial Solutions Center at the Atlanta Office Complex will be closing at 12 noon today, Friday December 8th, due to inclement weather.  We will reopen at 9 am Monday, December 11th.

 

Credit Union ATM Removal- NAT12

The CU ATM located on NAT12 at the Atlanta Office Complex has been removed.  Look for a new, refreshed ATM coming Spring 2018 near the Load Card machine in the TEC corridor, near YETU. 

Use our Locator to find a shared branch or surcharge-free ATM near your location.

 

Enhancement Updates:

Several updates have been completed recently to enhance your banking experience.  For the latest updates, including answers to Frequently Asked Questions, visit our Enhancement Updates page.

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