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Union City, GA

The Best Mortgage Lenders in Union City, GA

Compare verified mortgage lenders serving Union City, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
920+
Reviews
10
Loan Types

Available Loan Programs in Union City

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Home Equity
Construction Loans
Renovation

Featured Mortgage Lenders

1

Fairmont Mortgage Group

Fairmont Mortgage Group

★★★★☆
4.9/5

Fairmont Mortgage Group is one of Atlanta's top-rated mortgage brokers with over two decades of experience serving the metro area including Union City. They maintain exceptional 4.9-star ratings across multiple platforms due to their personalized service, competitive rates, and extensive loan program options. As a local brokerage, they provide white-glove service with direct access to loan officers who have deep knowledge of the Union City and South Fulton County housing markets. Their team specializes in guiding first-time homebuyers through the process while offering sophisticated solutions for move-up buyers and investors.

Experience:25 years
Reviews:185 customer reviews
1200 Ashwood Parkway Suite 150, Atlanta, GA 30338

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer
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2

Delta Community Credit Union

Delta Community Credit Union

★★★★☆
4.7/5

As Georgia's largest credit union with deep roots in the Atlanta region, Delta Community Credit Union has been serving Union City residents for decades. They offer highly competitive mortgage rates to members and maintain outstanding customer satisfaction ratings. Their mortgage team provides comprehensive home financing solutions with the benefit of local underwriting and decision-making. With multiple branches throughout metro Atlanta and robust digital banking services, they combine convenience with personalized attention. Their not-for-profit structure allows them to offer lower fees and better terms than many traditional banks.

Experience:80 years
Reviews:420 customer reviews
3250 Riverwood Parkway SE, Atlanta, GA 30339

Loan Types:

ConventionalFHAVAUSDAHome EquityRefinanceConstruction Loans
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3

Guild Mortgage Company

Guild Mortgage Company

★★★★☆
4.8/5

Guild Mortgage has established a strong presence in the Atlanta metropolitan area with dedicated local loan officers serving Union City homebuyers. With six decades of experience nationwide, they bring extensive expertise while maintaining the personalized service of a local lender. They are particularly recognized for their exceptional customer service and innovative loan programs, including their exclusive Zero Down Payment option for qualified buyers. Guild's local processing and underwriting teams ensure smooth transactions and timely closings. They consistently receive high marks for their educational approach to mortgage lending and commitment to community involvement throughout Georgia.

Experience:60 years
Reviews:315 customer reviews
11585 Jones Bridge Road Suite 300, Alpharetta, GA 30022

Loan Types:

ConventionalFHAVAUSDAJumboRenovationRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Union City, GA

Are there any first-time homebuyer programs specific to Union City, GA that can help with down payment or closing costs?

Yes, Union City homebuyers may qualify for Georgia Dream Homeownership Program, which offers down payment assistance and competitive interest rates. Additionally, Fayette County (where Union City is located) sometimes partners with state programs to provide additional grants. These programs are particularly valuable given Union City's growing housing market and can make homeownership more accessible.

How do Union City's property taxes affect my mortgage payments compared to surrounding areas?

Union City's property tax rates are generally competitive within Fulton County, currently around 1.1-1.3% of assessed value. Your mortgage lender will calculate these taxes into your monthly escrow payment, which is important to budget for since property values in Union City have been appreciating steadily. This is typically lower than some neighboring municipalities but higher than rural Georgia counties.

What types of mortgage loans are most common for Union City's housing market?

Conventional loans and FHA loans are most popular in Union City, given the area's mix of newer construction and established homes. With median home prices around $250,000-$350,000, many buyers find conventional loans suitable, while FHA loans help those with smaller down payments. VA loans are also common due to Union City's proximity to military installations.

How does Union City's location in the Atlanta metro area impact mortgage rates and lending requirements?

Union City's position in the Atlanta metropolitan statistical area means lenders view it as part of a stable, growing market, which can sometimes result in slightly better rates than rural Georgia. However, lenders may have slightly stricter requirements due to the competitive nature of the Atlanta housing market. Being close to Hartsfield-Jackson Airport and major employment centers makes Union City properties attractive to lenders.

Are there any special considerations for buying a home in Union City's historic districts or newer developments?

Yes, Union City has both historic properties and new subdivisions, each with different lending considerations. For historic homes, lenders may require additional inspections and sometimes higher down payments. New construction in developments like Shannon Park may offer builder incentives that can affect loan structure. Always work with a lender familiar with Union City's diverse housing stock to navigate these differences.

Nearby Cities

Explore mortgage lenders in cities near Union City, GA

Why Choose a Mortgage Lender in Union City?

Local Market Knowledge

Lenders who understand Union City's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Georgia.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Union City and get competitive rates on your home loan.