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We offer first and second mortgages in the following states:
To apply for a mortgage in another state locate a credit union in your state at www.creditunionsonline.com.
We offer first (purchase or refinance) mortgages on the following properties:
The occupancy types are:
We do not currently offer FHA loans, VA loans, USDA loans, Bridge loans, Agricultural loans or "rehab" loans.
Loans are available on the following types of structures:
We do not offer mortgage loans on mobile homes.
We offer the following types of first mortgages:
See our rate sheet for additional information on our first and second mortgages.
We offer the following types of second mortgages:
Please contact a Home Loan Specialist for more details.
First mortgage payments are due on the 1st of every month. A late fee is assessed after the 15th day of each month.
You may contact your Home Loan Specialists to request a rate lock.
Once an appraisal is ordered by Delta Community, the appraiser will call to make an appointment to appraise your home.
Appraisal fees vary depending on the type of appraisal request and the size of the property to be appraised. Contact you Home Loan Specialist for further details.
Yes. You may use the same Username and Password to apply for a new home loan.
If you have forgotten your Login ID or Password, contact your Home Loan Specialist or send an email to the Mortgage Information Center. If you do not know the Home Loan Specialist who has been assigned to your loan, any Home Loan Specialist can assist you.
The Home Loan Specialist assigned to your pending mortgage loan would have to make any changes to the application.
Online applications for mortgages do not receive a lower interest rate.
Please contact your Home Loan Specialist to request your pre-qualification letter after you have completed the online application.
The Home Loan Specialist assigned to your loan application can answer questions about your initial disclosures.
Appraisal fees are not refundable unless the appraisal is not ordered. Please contact your Home Loan Specialist to speak with them about the appraisal fee refund process/eligibility.
Delta Community offers a First-Time Home Buyers loan product. Contact one of our Home Loan Specialists for details.
Delta Community Credit Union requires a minimum middle credit score of 640.
Mailing Address:
Residential Lending
P.O. Box 4029
Peachtree City, GA 30269
Physical Address:
Residential Lending
315 North Highway 74
Peachtree City, GA 30269
FAX Number: (770)-632-8829 - Servicing
It is the policy of Delta Community Credit Union to hold member information in confidence, subject to applicable legal requirements. It is the policy of Delta Community Credit Union not to sell member information for use by non-affiliated third parties. When you close on a mortgage, documents are required to record the transfer of ownership of a property. Since this is a matter of public record some third parties will scan such recordings, and use your name and address, along with Delta Community as the lien holder to send solicitations to you.
You do not have to be a member to make an application for a mortgage loan, but you must be eligible to apply and become a member before your loan application can be processed.