Table of Content
- Does Delta Community sell my information to other companies after I close my mortgage for solicitations?
- When will an appraisal be completed on my home and how much are the appraisal fees?
- First-Time Home Buyer Loan Benefits & Features
- If I previously applied for a home loan, can I use the same Login ID and Password when applying for another loan?
- Make Your Move With $500 off Closing Costs on Your Home Loan Purchase1
- First-Time Home Buyer Financing Solutions: Loans, Mortgages & More
You have a fixed-rate for a certain period of time, such as 5 or 7 years, then for the remainder of the loan the interest rate would adjust annually depending on the market. Properties that qualify for this type of loan are primary residences, second/vacation homes and rental properties. A Fixed-Rate Mortgage is a mortgage where the interest rate is fixed and the monthly interest payment does not change over the life of the loan. Program designed to help first-time home buyers purchase their homes and understand their mortgage options. Or, contact one of our Home Loan Specialists to assist you in exploring your options.
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. Refinance your home loan to lower your monthly payment, shorten your loan term, or replace an adjustable-rate payment. However, if they will be the primary borrower on the new loan they will need to be a primary account holder of a Delta Community savings account, as well.
Does Delta Community sell my information to other companies after I close my mortgage for solicitations?
But their secondary purpose, and possibly more important, is to establish and foster a local presence for Delta in the community surrounding the branch office. The Atlanta-metro area had the 20th highest foreclosure rate among metropolitan areas in the country in the second quarter of 2008. Many homeowners in the area are facing foreclosures, hammered by declining property values and resets of sub-prime adjustable mortgages. Witheach specialist generating approximately $1 million in first mortgages per month per branch, the initiative’s investment has paid off for Delta Community. They are now looking to build more relationships with other individuals in the communityinvolved in the home purchase process, such as realtors.
Now through December 31, 2022, receive $500 off closing costs on your Fixed-Rate or Adjustable-Rate Purchase Loan. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. A loan that is used to finance the purchase of land or a lot property.
When will an appraisal be completed on my home and how much are the appraisal fees?
Looking for a flexible loan with zero points and fees for a short-term goal? Our Share Secured Loans can be the answer when you borrow against your existing deposit funds at the Credit Union. One-on-one conversations between members and Delta Community’s “home loan specialists” helps strengthen member relationships with the credit union. Speak with a Home Loan Specialist and get personalized insight to help you go from house hunting to closing quickly.

Delta Community Credit Union can make your home buying experience easy and affordable with low rates on a variety of loans, and personalized service you just won't find anywhere else. To assist with your home purchase and refinance needs, we offer several types of home loan products with the service and expertise that has made us a trusted lender for years. The credit union is often spotlighted in the local press for the value they provide to their members. Our mortgage portfolio remains strong, despite the turbulent times facing the real estate market today. We’ve positioned ourselves as a responsible lender members can trust, explains Pam Davis, vice president of real estate services.
First-Time Home Buyer Loan Benefits & Features
If you do not know the Home Loan Specialist who has been assigned to your loan, any Home Loan Specialist can assist you. You may use the same Username and Password to apply for a new home loan. A second mortgage you can use to supplement the purchase of your home. You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.

Delta Community Credit Union can make your experience easy and affordable with low rates on a variety of loans, all with the service you’ve come to expect. From buying a new property or refinancing your current loan to new construction, we can help finance your project. The Home Loan Specialist assigned to your pending mortgage loan would have to make any changes to the application.
If I previously applied for a home loan, can I use the same Login ID and Password when applying for another loan?
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. Please contact your Home Loan Specialist to request your pre-qualification letter after you have completed the online application. I just submitted an application and would like to add or remove my spouse as a borrower. If you have forgotten your Login ID or Password, contact your Home Loan Specialist or send an email to the Mortgage Information Center.
By members' choice, this institution is not federally insured. Needs to review the security of your connection before proceeding. 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.
To apply for a mortgage in another state locate a credit union in your state at A home loan financed at 100% is a great option for borrowers who have a credit score of 720 or higher, but may not have enough saved for a down payment. To apply for a Delta Community Home Loan, choose a Home Loan Specialist serving the area most convenient to you. You will need to create a new mortgage application account in our secure portal. Please note that this differs from your Delta Community Online Banking login credentials.
Want credit union insights and strategies delivered straight to your inbox? If you have questions about which of our home loan products is right for you, Delta Community has got you covered. Use our mortgage calculators to estimate your monthly mortgage payment, including principal and interest, taxes, insurance and PMI. I cannot remember the Login ID and Password to sign into my mortgage loan in progress. Our Delta Community Home Loan Team will be happy to provide you with the rates for the ideal loan that fits your needs.
Whether you're buying a home for the first time or looking to take advantage of your home's equity, we will take you through the process at whatever level of guidance you want. The Home Loan Specialist assigned to your loan application can answer questions about your initial disclosures. Online applications for mortgages do not receive a lower interest rate. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information.
If you're exploring options using the equity in your home, meet with one of our Home Equity Specialists. Our Specialists will assist you in understanding the similarities and differences of Home Equity Loans and Home Equity Lines of Credit, and you'll be able to select which loan is best for you. Want to get started with a Ministry account or have questions? Please complete the form below and a team member will get back to you shortly.
See our rate sheet for additional information on our first and second mortgages. Buying your first home isn’t just a transaction, it’s an achievement. And as exciting as it is, it can also be a little overwhelming with all the various home financing options out there. A Fixed-Rate or Adjustable-Rate Loan and is available for various terms up to 30 years. The loan amounts are greater than conventional loans and begin at $647,201.
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