Home Loans. Where Life Comes Together

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1 Home Loans Where Life Comes Together

2 Whatever type of loan you need, Delta Community is the place to get it. Now more than ever, you need a trusted partner when it s time to buy, refinance or renovate a home. Delta Community is here to help, with a variety of home loans certain to meet your needs. Whether you re a first-time home buyer, looking to refinance an existing loan or ready to improve your home, Delta Community s got you covered. Home Loans First-Time Home Buyer Loans Fixed-Rate Loans Adjustable-Rate Loans Land Lot Loans Home Equity Lines of Credit Closed-End Home Equity Loans Purchase Money Second Loans Speak to a Home Loan Specialist to learn more about the additional loans we offer: Home Renovation Loan Home Equity Lines of Credit (Interest Only) Jumbo Loans

3 Buying your first home should be special. Delta Community s First-Time Home Buyer Program* will guide you through the process of buying a home step-by-step, with timeand money-saving options that will help you achieve your goal of owning a home. Here are some of the great benefits of our program: Up To 97% Financing Eligibility No Origination Fee No Private Mortgage Insurance (PMI) *Only available in the state of Georgia. Qualification restrictions apply. Lender paid PMI. Conventional home loans that are anything but conventional. Delta Community s Fixed-Rate Mortgage Home Loans are customizable to your needs. You can get a 10, 15, 20 or 30-year loan with a fixed rate. Properties that qualify for our Fixed-Rate Mortgage Home Loan are primary residences, second/vacation homes and rental properties. Some features of this product include: Fixed-rate No prepayment penalty Competitive fees

4 ARM yourself with loan options. Adjustable-Rate Mortgages (ARMs) are worth considering if you don t plan to stay in a property long or you anticipate growth in your income over time. An ARM starts with a low, fixed rate for a certain period of time like 3, 5 or 7 years. Afterwards, the interest rate adjusts annually depending on the market. Some features of this product include: Variable rate No prepayment penalty Competitive fees We have several options to choose from if you re in the market to purchase or refinance a home. Consult with one of our Home Loan Specialists today to find out more about the loan that works best for you. Your home has you covered. Delta Community s Home Equity Closed-End Loan (HEC) and Home Equity Lines of Credit (HELOC) are considered traditional second mortgages. It s a loan that is secured by your home and uses it as collateral. It s a great way to use the equity in your home to make home improvements, consolidate bills or even get new furniture. Need a lot of land or to land a lot? Delta Community s Land Lot Loan is a loan used to finance the purchase of a lot not exceeding 10 contiguous acres. So if you find a piece of land that you re ready to build on, this loan is exactly what you need.

5 First-rate Second Loans. Delta Community s Purchase Money Second Loan isn t your ordinary second mortgage. It s a second mortgage you can use to supplement the purchase of your home. It s great for first-time homebuyers who want to use some of their savings on furniture, appliances or other home-improvement projects instead of putting it down on the purchase of the home. Every loan comes with a very special benefit: us. When you apply for a home loan with Delta Community, a member of our Home Loan Specialist Staff will be there to help you every step of the way. Here are a few benefits: Conveniently located at most of our metro Atlanta branches Provide loan expertise, walking through the process from start to finish A responsible lender with an established reputation Competitive rates, low fees, low closing costs Easy online mortgage application with instant approval Free home-buying seminars Processed and serviced locally For more information visit DeltaCommunityCU.com or call to get started.

6 Where home ownership happens. And life comes together. This credit union is federally insured by the National Credit Union Administration. RE/08.11