Mortgages

Take comfort that you’ve made a good decision by choosing LGE for your home mortgage. Create a rate & closing cost estimate to determine the best product to suit your needs. After you've selected your product, click the orange Apply button.

Our HomeAdvantage® program can help you save and earn a cash back reward when buying or selling a home. Buying your first house? Click here to download our First Time Home Buyer Smarter Guide. FreddieMac also offers a free, interactive tutorial with six courses focused on homeownership education, which satisfies the HomeOneSM or Home Possible® mortgage homeownership education requirement. 

Must be an existing member or eligible to become a member through our Field of Membership. All loans subject to approval.

Fixed Rate Mortgages

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees. LGE has recently added two new mortgage loan options: 100% financing for new home purchases or no closing costs for purchases and refinances.*

Our fixed-rate mortgages offer all these advantages:

  • Some of the best rates around
  • Available for primary residence, qualifying second/vacation homes, and investment/rental properties**
  • Multiple terms available
  • Purchase, cash-out refinance, or no cash-out refinance
  • No prepayment penalties if you decide to pay off early
  • Favorable terms and low costs
  • Possible tax deductions***
  • Pre-approval to give you purchasing power

READY TO APPLY?

Apply online 24/7 - Our fast-track mortgage experience offers quick loan approvals and the fastest closing timeline we can offer. When you have found the product that fits your needs, use the Apply button to start your application. Once you are ready, follow the prompts to submit your application.

Need help? View our FAQs and Contact Us

Must be an existing member or eligible to become a member through our Field of Membership. All loans subject to approval.

Adjustable Rate Mortgages

An adjustable rate mortgage (ARM) offers an initial interest rate that is lower than that of a fixed rate loan. If you anticipate your income will be increasing in the future, an adjustable rate mortgage may be just what you're looking for! Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

Our adjustable-rate mortgages offer all these advantages:

  • Some of the best rates around
  • Available for primary residence and qualifying second/vacation homes**
  • Multiple terms available
  • Purchase, cash-out refinance, or no cash-out refinance
  • No prepayment penalties if you decide to pay off early
  • Favorable terms and low costs
  • Possible tax deductions***
  • Pre-approval to give you purchasing power

READY TO APPLY?

Apply online 24/7 - Our fast-track mortgage experience offers quick loan approvals and the fastest closing timeline we can offer. When you have found the product that fits your needs, use the Apply button to start your application. Once you are ready, follow the prompts to submit your application.

Need help? View our FAQs and Contact Us

Must be an existing member or eligible to become a member through our Field of Membership. All loans subject to approval.

Real Estate Services

HomeAdvantage® can help you search, buy, sell and save on your next real estate transaction. Use it to find the home of your dreams, sell your existing home, research the market, connect with a top local agent, and save money at closing. All this is available to you, at no cost, so make sure you enroll today!

Earn Cash Rewards

Earn an average of $1,600 in Cash Rewards when you use HomeAdvantage to buy or sell your home. Find out more and reserve your Rewards today!

Research The Market

Use our Property Valuation tool and Market Trends reports to find out just how much your home is worth as well as what is going on in your neighborhood.

Find an Experienced Real Estate Agent

We've hand-picked professional real estate agents from top, local brokerages to be a part of our exclusive agent network. Choose one online yourself -- or contact our Member Concierge team and let them help recommend one.

Find Your Dream Home

Search for your dream home using your preferred criteria, and then save those searches so you can receive email alerts when new matching properties become available.

These services are all free to you – set up an account today so we can help give you the best home advantage!

Payment Options

A variety of convenient payment options are available to you.

 

Via Online Banking

Transfer your payment via Online Banking.

Note: Same-day payments made within Online Banking will be applied as late as 4:00 p.m. ET.

 

By ACH

One-time and Recurring ACH options through Online Banking: Log in, select the Mortgage for which you are wanting to pay, select View Transactions, and then choose "Pay Online" or "Auto Draft Payment" and follow on-screen instructions. (Note this is not currently available in the Mobile App.)

 

By mail

LGE Community Credit Union, P. O. Box 11733, Newark, NJ 07101-4733

 

By phone

Simply call 770-424-0060.

Note: Same-day payments can be made until 3:00 p.m. ET Monday through Friday.

 

At any LGE branch

Note: Same-day payments can be made until 3:00 p.m. ET Monday through Friday.

Mortgage products are subject to change and LGE Community Credit Union reserves the right to modify or cease mortgage programs at any time.
* For conforming loans that meet secondary market guidelines.
** Excludes condos, manufactured homes, and properties outside of Georgia. Fixed rate mortgage options are available for investment properties.
*** Not intended as tax advice. Please consult your tax advisor regarding tax benefits and deductions.