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Mortgage & Land Loans

First Mortgage Loans

To apply for a Mortgage please contact us at 404 978-0080 and speak to a Loan Officer at your local branch for personal assistance with your application. Or submit your application online.

Apply For a Mortgage

Whether you’re buying your first home, a vacation home, or if you plan to step up, relocate or refinance, MembersFirst Credit Union 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 mortgage loans are processed through Credit Union Financial Services (CUFS). Our Member Advisor will walk your application through the process with CUFS. For more information or current mortgage rates, please call 404 978-0080.

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.

Land Loans

If you’ve found the perfect piece of land for your dream home, business or a place for retirement, MembersFirst is on board to help finance the purchase of that picturesque spot! Since the purchase of land is the foundation to your new home or business, we encourage you to contact a loan officer at 404 978-0080 to discuss all the details. If you’re not yet a member, join today!

• Maximum term is 10 years
• Maximum loan amount is $100,000.00
• Maximum LTV of up to 75% of selling price or appraised value. (Lesser of the two)
• An appraisal is required and will be conducted by one of MembersFirst Credit Union’s approved, certified appraisers.
• MembersFirst will provide the closing attorney and documents.

* All Closing costs are the responsibility of the borrower. Appraisal fees must be paid by the borrower to the appraiser at the time of the appraisal.

NMLS # 452961

Click Here to see a list of MembersFirst Mortgage Loan Originators

Click Here to visit the Consumer Access Website

*APR = Annual Percentage Rate.