Mortgages

Mortgage Loans --We do mortgages!

Whether you're a first-time homebuyer or planning to refinance, CDC FCU Mortgage professionals are ready to provide you with the hassle-free, money-saving experience you deserve, as a valued member of CDC FCU.

CDC FCU Mortgages Feature:

Fixed-rate mortgages
Adjustable-rate mortgages
Balloons
Second mortgages
Equity lines of credit
Plus:
- Program designed especially for first-time homebuyers
- FREE mortgage analysis

Second Mortgages

We feature nationally-competitive rates, low closing costs, a well-diversified product line and flexible qualifying guidelines. In addition, credit union members pay no intangible tax (on Georgia properties); banks, brokers and other mortgage companies must collect this tax.

Apply to pre-qualify for a mortgage

Need more information? Call our mortgage professionals. They are ready to help you purchase your dream home: 404-325-3275 (toll-free 800-245-9655), press 4 for a mortgage professional.

CDC FCU Equity Lines of Credit Feature:

No closing costs*
Variable payment plan
Access up to 100% of your equity
Access your equity line of credit via credit card or check

For more information on equity line of credit loans, click here to contact us.

Applying for an equity line is easy:

Click here to apply online using our secured Web Application
Call a Member Service Representative at (404) 325-3270 (toll-free 800-245-9655) and press 3
Stop by any CDC FCU branch

*No closing costs for a limited time only.

Georgia Dream Homeownership Program

CDC FCU recently partnered with the Department of Community Affairs' (DCA) Georgia Dream Homeownership Program, and we are pleased to offer this program to the North Atlanta Community! Designed to assist first-time homebuyers, the program targets the low-to-moderate income buyer who may not meet traditional down payment requirements, closing costs, and any other escrow expenses associated with purchasing a home. CDC FCU is the first credit union in the state to offer this program and the only credit union provider in the Metro Atlanta area. For more information on this program, click here to view the latest Dream brochure.

Benefits Include:

Below Market Interest Rate
100% Financing on 30-35 year mortgages
No Prepayment Penalty
Flexible Approval Guidelines
Very Low Closing Costs

You may also qualify for the Dream Second Mortgage, which assists individuals who are first-time homebuyers, single parent families, protectors, educators, nurses (PEN), buyers looking for energy-efficient homes (EV), and family members who are disabled (CHOICE). The Dream Second Mortgage is an interest-free loan that covers closing and down payment costs. A $500 minimum is needed from the buyer's own funds to continue with the purchasing transaction, which can also be matched on a 5-to-1 ratio with other CDC FCU grants and funding. Grants include the Federal Home Loan Bank's first-time homebuyer program and other grants offered by the respective housing authority where the home is located.

If you or someone you know can benefit from this program, please call us at 404-325-3275. You can also apply online today or visit one of our branches to speak with a Mortgage Specialist.