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 Delaware.

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 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.

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

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Holiday Closing

The Credit Union will be closed in observance of the Independence Day holiday on Wednesday, July 4th.  We will reopen at 9am on Thursday, July 5th.

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