Late Opening
LGE will open at 10:30 a.m. on Wednesday, Dec. 19. We apologize for any inconvenience this may cause.

Mortgages

You can take comfort that you’ve made a good decision by choosing LGE Community Credit Union for your home mortgage. Start by creating a rate & closing cost estimate to determine the best product to suit your needs. After you've selected your product, click the orange Apply button.

Fixed Rate Mortgages

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees. LGE has recently added two new mortgage loan options: 100% financing for new home purchases or no closing costs for purchases and refinances.*

Our fixed-rate mortgages offer all these advantages:

  • Some of the best rates around
  • Available for primary residence, qualifying second/vacation homes, and investment/rental properties**
  • Multiple terms available
  • Purchase, cash-out refinance, or no cash-out refinance
  • No prepayment penalties if you decide to pay off early
  • Favorable terms and low costs
  • Possible tax deductions***
  • Pre-approval to give you purchasing power

READY TO APPLY?
We offer two convenient ways:

  • Apply online 24/7 - Start by creating a rate & closing cost estimate to determine the best product to suit your needs. After you've selected your product, click the orange Apply button.
  • By appointment with a Mortgage Center Loan Advisor during normal business hours.

Adjustable Rate Mortgages

An adjustable rate mortgage (ARM) offers an initial interest rate that is lower than that of a fixed rate loan. If you anticipate your income will be increasing in the future, an adjustable rate mortgage may be just what you're looking for! Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

Our adjustable-rate mortgages offer all these advantages:

  • Some of the best rates around
  • Available for primary residence and qualifying second/vacation homes**
  • Multiple terms available
  • Purchase, cash-out refinance, or no cash-out refinance
  • No prepayment penalties if you decide to pay off early
  • Favorable terms and low costs
  • Possible tax deductions***
  • Pre-approval to give you purchasing power

READY TO APPLY?
We offer two convenient ways:

  • Apply online 24/7 - Start by creating a rate & closing cost estimate to determine the best product to suit your needs. After you've selected your product, click the orange Apply button.
  • By appointment with a Mortgage Center Loan Advisor during normal business hours.

Real Estate Services

Thinking of buying or selling your home? Make the most of your time and money with the efforts of a dedicated Member Advocate. Your Advocate will connect you with a Credit Union Certified Real Estate Agent who is able to help you buy or sell your home. The Advocate helps you through the entire process, working with the Agent to ensure all time periods and critical decisions are addressed correctly. The Advocate is your partner and is looking out for your best interests.  The best part?  This is a completely free program and you can earn a cash rebate!

 

Program benefits

In addition to working with a Member Advocate and a Credit Union Approved Real Estate Agent who will walk you through the process of purchasing or selling your home, you can receive a cash back rebate equal to 20% of the agent’s commission! Commercial Properties are also eligible for this incentive!

Example: Let’s say the final sale price of your home is $200,000 and the real estate agent’s estimated commission is 3% ($6,000).  Your rebate check would be 20% of $6,000 or $1,200! *Estimated amount as an example.  The actual amount varies based on the agent’s commission.

Additional benefit:

Enrolled members also receive the Homebuyers/Sellers Privileges Package with SEARS Commercial Club Rewards. This Program brings you discounts and savings on:

  • Kenmore & brand name appliances
  • Garage Storage
  • Grills & Generators
  • Gift Cards
  • Mowers & Tractors
  • Televisions, Mattresses & much more

Payment Options

A variety of convenient payment options are available to you.

 

Via Online Banking

Transfer your payment via Online Banking.

Note: Same-day payments made within Online Banking will be applied as late as 4:00 p.m. ET.

 

By ACH

One-time and Recurring ACH options through Online Banking: Log in, select the Mortgage for which you are wanting to pay, select View Transactions, and then choose "Pay Online" or "Auto Draft Payment" and follow on-screen instructions. (Note this is not currently available in the Mobile App.)

 

By mail

LGE Community Credit Union, P. O. Box 11733, Newark, NJ 07101-4733

 

By phone

Simply call 770-424-0060.

Note: Same-day payments can be made until 3:00 p.m. ET Monday through Friday.

 

At any LGE branch

Note: Same-day payments can be made until 3:00 p.m. ET Monday through Friday.

Mortgage products are subject to change and LGE Community Credit Union reserves the right to modify or cease mortgage programs at any time.
* For conforming loans that meet secondary market guidelines.
** Excludes condos, manufactured homes, and properties outside of Georgia. Fixed rate mortgage options are available for investment properties.
*** Not intended as tax advice. Please consult your tax advisor regarding tax benefits and deductions.