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Affordability Meets Flexibility

with our Adjustable Rate Mortgages

 

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If you are not currently a member, please click here to review membership eligibility and account opening.

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How Much House Can I Afford?

Whether you're a first time home buyer or seasoned homeowner, we offer a complete suite of home loan products to help you finance your home. Our home loan specialists will work to get you the best mortgage rates and terms available.1

  • Fixed Rate Our fixed rate mortgages are perfect for your primary residence or any other property you'd like to purchase.
  • Adjustable Rate Mortgage (ARM) Consider our 10/10 ARM for your home purchase or refinance.
  • First-Time Buyer? Our team loves to work with first-time homebuyers. We'll walk you through every step.
  • Construction Loans Construction loans are also available. Let our team help you build the home of your dreams!
Apply Now
Happy family in their new home with a mortgage from Peach State FCU-1
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UNLOCK YOUR HOMEBUYING POWER

With Our 10/10 ARM

Our 10/10 ARM is the key to opening the door to your dream home. Rate and payment adjust every 10 years and feature:

  • Lifetime rate cap of 6.95%1
  • Low down payment
  • Low introductory rate
  • Low monthly payments
  • No Private Mortgage Insurance
View Rates
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10/10 ARM vs. 30 Year Fixed Rate Mortgage

Check out the savings on a $400,000 house over the first 10 years with a 10/10 ARM.1

  10/10 ARM 30 Year Fixed Rate 
Rate/APR 5.750%/6.308% 7.000%/7.159%
Monthly Principal and Interest Payment  $2,334 $2,661
Interest Paid Over 10 Years  $210,999 $284,405
Principal Balance at 10 Years  $333,218 $335,786
 
Monthly Savings  $327
Total Interest Savings Over 10 Years 

$73,406

1 APR – Annual Percentage Rate. The rates are current as of 06.02.25. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Additional fees and closing costs may apply. Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charges. Rates apply to Owner-Occupied property with a maximum loan to value of 80%. 10/10 ARM rates adjust every 10 years through loan maturity based on the Index. The Index is the weekly average yield on the United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The new rate will be calculated by adding a margin of 2.75% to the Current Index. The maximum the rate can increase each 10 year adjustment is 2% with a maximum lifetime rate of 6.95%. The maximum loan amount is $766,550. Payments are based on a $400,000 loan amount with a 30 year amortization and do not include taxes and insurance. The payment on a 30-year $400,000 10-year Adjustable-Rate loan at 5.750% and 80% loan-to-value (LTV) is $2,334. After 10 years, the maximum payment is $2,606. The actual payments will be higher; and rates provided are based on current market rates and are informational only. Conventional 30-Year rates and APR apply to Owner-Occupied property and require a 740+ credit score with a maximum loan to value of 80%. The maximum loan amount is $766,550. Rates and APR may be higher for a cash out refinance. Payments are based on a $400,000 loan amount with a 30 year amortization and do not include taxes or insurance. Mortgage loan principal and interest payment example excluding taxes and insurance: 360 payments of $6.65 per $1,000 borrowed based upon a 7.000% Interest Rate. All loans are subject to approval. Other restrictions may apply. Must be an existing member or eligible to become a member through our Field of Membership. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559. 

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Mortgage Calculator

 

Use this mortgage calculator to see how much house you can really afford. Try a few different rates and terms to see what works for your budget and then email the results to yourself.

Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Low Mortgage Rates
Use the rate table below to see what your rate could be at a term that works for you! When you're ready, start your application.

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Our Team Can Help
Peach State's team of mortgage experts are here to guide you through the application, solidify your financing plan, and make sure you find the best solution for your budget!

Mortgage Rates

Get pre-approved so that you know how much house you can afford before you begin shopping.

Consider the Benefits of an Adjustable Rate Mortgage (ARM)

  • Low Down Payments
  • No Private Mortgage Insurance
  • Loan terms up to 30 years
  • Rate and payment adjust every 5, 7 or 10 years depending on the type of ARM
Apply Now

Mortgage Rates
Loan to Value (LTV) <=80%

Loan Term
Rate
APR* (as low as)
Principal & Interest Payment
Loan Term
Conventional 15 Year Fixed
Rate
6.000%
APR* (as low as)
6.268%
Principal & Interest Payment
$3,375.43
Loan Term
Conventional 30 Year Fixed
Rate
7.000%
APR* (as low as)
7.159%
Principal & Interest Payment
$2,661.21
Loan Term
5/5 ARM
Rate
5.500%
APR* (as low as)
6.204%
Principal & Interest Payment
$2,271.16
Loan Term
7/7 ARM
Rate
5.625%
APR* (as low as)
6.286%
Principal & Interest Payment
$2,302.63
Loan Term
10/10 ARM
Rate
5.750%
APR* (as low as)
6.308%
Principal & Interest Payment
$2,334.29
Effective June 2, 2025

*APR – Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Additional fees and closing costs may apply. Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charges. All loans are subject to approval. Other restrictions may apply. Must be an existing member or eligible to become a member through our Field of Membership.

Conventional rates and APR apply to Owner-Occupied property and require a 740+ credit score with a maximum loan to value of 80%. The maximum loan amount is $766,550. Rates and APR may be higher for a cash out refinance. Payments are based on a $400,000 loan amount with a 30 and/or 15 year amortization and do not include taxes or insurance. ARM rates apply to Owner-Occupied property with a maximum loan to value of 80%.

ARM rates adjust every 5, 7, or 10 years through loan maturity based on the Index. The Index is the weekly average yield on the United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The new rate will be calculated by adding a margin of 2.75% to the Current Index. The maximum the rate can increase each 5, 7, or 10 year adjustment is 2% with a maximum lifetime rate of 6.95%. The maximum loan amount is $766,550. Payments are based on a $400,000 loan amount with a 30 year amortization and do not include taxes and insurance.

Mortgage loan principal and interest payment example excluding taxes and insurance: 360 payments of $6.65 per $1,000 borrowed based upon a 7.000% Note Rate. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559

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Peach State FCU has your mortgage needs covered

HERE TO HELP

Our Mortgage Team is Here for You

For many people, owning a home is a dream come true, but the process can be overwhelming...Peach State can help you make your dream a reality with ease!

  • Apply online or call our Mortgage Services Department at 770.580.6098.1
  • If you've already started your application or need to check the status of an existing application log in here.
  • We can also help you refinance your existing mortgage. 

For additional questions about our mortgage products, please contact our Mortgage Services Department at 770.580.6098 or mortgage@peachstatefcu.org.

1 Loan applications are processed by Member First Mortgage (NMLS ID# 149532) and are subject to credit approval based on each individual’s credit history and underwriting factors. ARM rates are subject to change after closing. Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charges
Apply Now

VA LOANS

At Peach State We're Proud to Serve You

Let us welcome you home with a VA Loan through Peach State. If you're a veteran of the Armed Forces, National Guard or spouse of a veteran, you may qualify for a VA Loan.1

  • These home loans, backed by the VA, offer exclusive benefits to veterans and their families.
  • Even with a lower credit score, we may still be able to give you a loan.
  • If you qualify, you may have no down payment and no Private Mortgage Insurance (PMI) required.
  • You'll also enjoy 90% LTV cash-out refinancing options, giving you access to all of your home's equity.
1 Loan applications are processed by Member First Mortgage (NMLS ID# 149532) and are subject to credit approval based on each individual’s credit history and underwriting factors. ARM rates are subject to change after closing. Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charges.
Apply Now
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Ask The Right Questions

Discover Which Loan is Right For You!

Simplify your ARM vs fixed rate Mortgage decision with our essential list of questions to help you find the best Mortgage for your needs and budget.

Testimonial

Share Your Story
Great interest rates and other investment opportunities such as CDs, loans, etc. 
 
- Joyce B.
 
I have been with Peach State FCU for 30+ years, and have always been treated as a person, not a number!  I love that the members are the "owners", and not some big conglomerate!!
 
- Laura H.
 
You always have the lowest rates for loans. That matters so much!!
 
- Kristi J.
 

Frequently Asked Questions

These are a few of the commonly asked questions about Home Loans.
For even more FAQs, check out our Member Knowledge Base.
How long does it take to close on a mortgage?
It typically takes 30 days to close on a mortgage once all of the requested documentation is received. In some cases, closing can take as much as 45-60 days...
Read More
What does it mean when you’ve been pre-approved for your mortgage?
A preapproval shows how much you’re eligible to borrow. It’s based on financial information in your application. To get pre-approved, you’ll need...
Read More
Can I change the loan amount after being pre-approved?
Yes, you can contact your loan officer to update your loan application for a new loan amount.
Read More
Member Knowledge Base