Home Loans
Make the Move With a Home Loan or Home Equity Loan From MidSouth!
From a low-rate mortgage to a home equity line of credit (HELOC), MidSouth has the financial solutions you need to purchase your next home or utilize the value of the home you already have.
Unlock the Path to a Low-Rate Mortgage
Whether you’re looking for a new home or want to refinance and get a better price on the one you love, MidSouth can help.
In partnership with Our Mortgage Team, MidSouth Community Federal Credit Union offers homeowners throughout Middle Georgia a variety of affordable, trustworthy mortgage options to meet their purchasing goals. We can assist with new purchases or refinancing solutions for first homes and primary residences, second homes, and investment properties.
Home Purchasing Options
- Conventional Loans
- FHA Loans
- VA Loans
- USDA Loans
- ARM Loans
Home Refinancing Options
- Conventional Loans
- FHA Loans
- ARM Loans
- VA Loans
About Our Mortgage Team
Our Mortgage Team is a mortgage company for credit unions, providing mortgage products that help members meet their personal and financial goals.
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Take the First Step Toward Your New Home. Apply for a Low-Rate Mortgage Today!
Benefit From the Value of Your Home With a Low-Rate Home Equity Line of Credit
Your home has value. Tap into it by opening a home equity line of credit (HELOC). A low-rate HELOC from MidSouth provides the funds you need for bigger ticket items, such as completing home repairs, consolidating debt, covering emergency expenses, financing a wedding, traveling, paying for your children’s education, and more!
What You Can Expect From a Home Equity Line of Credit
- Introductory rate as low as 4.99% APR1 for the first 6 months
- Current variable rate as low as 6.75% APR1
- Closing costs covered by MidSouth2
- Credit limits $10,000 – $150,000
- Ability to borrow up to 100% of the value of your home3
- Interest-only payments during draw period (first 10 years)
Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without notice. Membership requirements apply.
1Annual Percentage Rate | Introductory rate as low as 4.99% APR is fixed for the first six (6) months. Applicable rates apply after the introductory period. Rates listed are our best rates based on credit approval and our lending requirements. Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Annual Percentage Rate as low as Prime + 0%. Rates are variable and based on Prime as published in The Wall Street Journal, with a ceiling of 18.00%. The current variable APR as of December 11, 2025 is 6.75%.
2If loan is closed within the first 24 months, borrower will reimburse the credit union for closing costs. Minimum $10,000 initial advance.
3Property must be primary residence and located in the state of Georgia. Neither modular nor mobile homes are eligible. Equal Opportunity Lender.
Experience the Difference With a Home Equity Line of Credit. Apply Today!
Pay Your HELOC Through Digital Banking
At MidSouth, you never have to wonder, “Did I pay this month’s loan payment?” You can automate your payments to be pulled from your savings or checking account each month, ensuring you stay on time with your payment schedule.
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