Why a Credit Union Mortgage? Mortgage Options Rates PREQUALIFY Rates Ratewatch Closing Costs


Thank you for trusting your credit union to assist you with your mortgage loan. Before you apply, please take a moment to review our loan guidelines:

  • Down Payment Requirements
    • 3.5% of Sales Price for FHA loans;
    • 5.0% of Sales Price for Conventional loans;
    • 0% down payment for eligible Veterans
  • Minimum loan amount is $60,000
  • Minimum credit score is 640
  • Foreclosure or Short Sale Waiting Periods:
    • 3 years from date of recorded foreclosure documents;
    • 3 years from short-sale closing date on Settlement Statement

*For information on USDA loans, or any of the requirements above, please contact a loan officer at 678-658-4466; or email us at