Last Updated: 04/18/2025
Georgia United CU Fixed Rate Mortgage
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
Up to $2,000,000
Loan Term (Years)
15 - 30
Georgia United CU Fixed Rate Mortgage Review
Georgia United CU Fixed Rate Mortgage is offered by Georgia United Credit Union (NMLS #483426), a credit union founded in 1958 and based in Duluth, GA. Georgia United CU Fixed Rate Mortgage are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Standard interest rates types. Georgia United CU Fixed Rate Mortgage only offers fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- High maximum LTV ratio. Georgia United CU Fixed Rate Mortgage has a maximum loan to value ratio of 100%, which is higher than average. Most lenders want you to have at least 20% equity.
Georgia United CU Fixed Rate Mortgage Pros & Cons
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Georgia United CU Fixed Rate Mortgage FAQ
How much can you borrow via Georgia United Credit Union?
Georgia United CU Fixed Rate Mortgage allows borrowers to apply for loan amounts of up to $2,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with Georgia United CU Fixed Rate Mortgage?
Georgia United CU Fixed Rate Mortgage offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does Georgia United Credit Union offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Georgia United CU Fixed Rate Mortgage may charge a loan origination fee .
What property usage types does Georgia United CU Fixed Rate Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Georgia United CU Fixed Rate Mortgage allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for Georgia United CU Fixed Rate Mortgage is (888) 493-4328.
What is the support contact email?
The support contact email for is email@gucu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed