The Best Mortgage Lenders in Union Point, GA
Compare verified mortgage lenders serving Union Point, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Union Point
Featured Mortgage Lenders
Robins Financial Credit Union Mortgage Department
Robins Financial Credit Union
As one of Georgia's largest credit unions with over 70 years of service, Robins Financial Credit Union provides exceptional mortgage services throughout central Georgia, including Union Point. They consistently receive outstanding ratings for their personalized service, competitive rates, and local decision-making. Their mortgage team specializes in first-time homebuyer programs and offers flexible terms with local underwriting, ensuring quick closings and exceptional customer care throughout the entire process.
Loan Types:
Athens Area Mortgage
Athens Area Mortgage, LLC
Serving Union Point and surrounding communities since 2008, Athens Area Mortgage has built an outstanding reputation for their expertise in rural and suburban Georgia mortgages. They specialize in USDA loans which are particularly relevant for Union Point area properties, and their local knowledge of Greene County real estate market conditions gives them a distinct advantage. Customers consistently praise their responsive communication, transparent process, and ability to secure competitive rates for both purchase and refinance transactions.
Loan Types:
Fairway Independent Mortgage Corporation - Athens Branch
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation, with their Athens branch serving Union Point and surrounding areas, brings national lending power with local expertise. Founded in 1996, they have consistently ranked among the top mortgage lenders nationally while maintaining strong community ties in Georgia. Their local loan officers have extensive experience with Greene County properties and offer a wide range of loan products with competitive pricing. They are particularly noted for their efficient processing and excellent customer service ratings across multiple review platforms.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Union Point, GA
What are current mortgage rates like for homes in Union Point, GA?
Mortgage rates in Union Point typically align with national averages but can vary based on local lenders and property types. Currently, 30-year fixed rates hover around 6.5-7% for qualified buyers, though rural property loans might carry slightly different terms. It's best to compare offers from local credit unions like Oconee State Bank and regional lenders who understand the Greene County market.
Are there any first-time homebuyer programs specifically for Union Point residents?
Yes, Union Point homebuyers can access Georgia's Dream Homeownership Program, which offers down payment assistance and affordable fixed-rate mortgages. Additionally, Greene County occasionally offers local housing initiatives, and USDA loans are particularly relevant since Union Point qualifies for rural development loans with zero down payment options.
How does Union Point's rural location affect mortgage options?
Union Point's designation as a rural community opens up USDA loan opportunities that aren't available in urban areas. These loans offer 100% financing with no down payment required, making homeownership more accessible. However, you'll want to ensure the property meets USDA eligibility requirements, which most homes in Union Point do.
What should I know about property taxes when getting a mortgage in Union Point?
Greene County property taxes are relatively affordable compared to metro Atlanta areas, currently averaging about 0.95% of home value. Your mortgage lender will typically include these taxes in your monthly escrow payment. It's worth noting that Union Point offers some homestead exemptions that can further reduce your tax burden.
Are there any local Union Point considerations that might affect my mortgage approval?
Yes, since Union Point has many older homes and historic properties, your lender may require additional inspections or have specific requirements for older home financing. Also, because it's a smaller community, appraisals might take slightly longer as appraisers often come from neighboring cities like Athens or Augusta.
Nearby Cities
Explore mortgage lenders in cities near Union Point, GA
Why Choose a Mortgage Lender in Union Point?
Local Market Knowledge
Lenders who understand Union Point'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 Point and get competitive rates on your home loan.