A fixed rate mortgage has a consistent interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then an adjustable-rate mortgage may be better. As a rule of thumb, it may be harder to qualify for a fixed rate mortgage than for adjustable rate mortgage. When interest rates are low, fixed rate mortgages are generally not that much more expensive than adjustable rate mortgages, and may be a better deal in the long run because you can lock in the rate for the life of your mortgage.

Plus, our non-profit status allows us to waive Intangible Taxes on Georgia Properties, which banks, brokers and other mortgage companies will never do.

Ready to apply? You’ll need:

  • Social Security Number
  • Contact information
  • Employment information
  • Best estimates of income, assets and liabilities.

To complete your application we will need additional information.  In an effort to avoid any delays, please prepare the appropriate materials.  For a full list of materials click here.


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