Blank hidden pixel
Home 9 Loans Credit Cards 9 Mortgage Loans

Mortgages & HELOCs

First Mortgage Loans

Whether you’re buying your first home, a vacation home, or planning to step up, relocate, or refinance, Our Mortgage Team* has a mortgage program tailored for you. Choose from fixed or adjustable rates and flexible terms from 10 to 30 years. In most cases, our mortgage loans also feature below-average closing costs.

All MembersFirst home loans are processed through Our Mortgage Team. Our Member Advisors will walk your application through the process and help you submit the application to Our Mortgage Team.  Our experienced mortgage lenders will take you through the finish line. For more information or current mortgage rates, please call 404 978-0080.

To apply call 404 978-0080 and speak to a Loan Officer at your local branch or, submit your application online.
Apply For a Mortgage

Home Equity Line of Credit (HELOC)

MembersFirst Home Equity Line of Credit gives you access to an open line of credit based on the available equity in your home. Take all the time you need to complete your home improvements – your payments are based only on the amount of your outstanding balance. When you need additional funds to complete the project, accessing your line of credit is as easy as picking up the phone. A MembersFirst Home Equity Line of Credit also features a low adjustable rate – as low as prime rate minus 1%!

Apply for a HELOC

Or call one of our lending professionals at (404) 978-0080.

Interest rates are based on your credit score and the amount of equity borrowed. For current HELOC interest rates, visit our Rates page.

Email us at for a Home Equity Line of Credit packet or call us at 404 978-0080. Click here for some Frequently Asked Questions.

Click here to request an HDMA report.

*Our Mortgage Team (formerly CUFS – Credit Union Financial Services) is owned by four Georgia credit unions.  These credit unions joined together to provide mortgage services for members who were seeking affordable and trustworthy mortgage products. They wanted a mortgage company that had members’ best interest in mind when securing a Home Mortgage and at the same time, considered the best fit for members’ financial goals and their future financial security.