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“Construction Loan”

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“What's Included in a Mortgage Payment? Authored By: Genisys Credit Union on If you’re preparing to purchase your first home, you’re probably scratching your head more than you anticipated. Between the complex terminology and variety of home loan options, the home-buying process can become confusing rather quickly. Read More » Share: 5 Reasons to Pay Yourself First Authored By: Genisys Credit Union on When most people get paid, their money is quickly spoken for. Bills, groceries, subscriptions, and everyday expenses often take priority, leaving little left over for savings. That's why financial experts often recommend "paying yourself first" by setting aside money for savings before spending it elsewhere. Read More » Share: How to Avoid ATM Fraud Authored By: Genisys Credit Union on Whether you're withdrawing cash, checking your balance, or making a deposit, ATM transactions have become a routine part of everyday life. Unfortunately, scammers know this and are constantly looking for new ways to take advantage of unsuspecting consumers. By staying alert and following a few smart habits, you can help protect yourself from fraud. Here are 12 simple ways to stay safe the next time you use an ATM. Read More » Share: Simple Payment Tricks That Help Reduce Stress Authored By: Genisys Credit Union on It’s easy to feel overwhelmed when bills seem to hit nonstop throughout the month. Rent is due at the beginning of the month, the car payment follows a few days later, then utilities hit right before payday, and credit card payments soon after. Add in monthly subscriptions, grocery shopping, filling the car up with gas - it can feel like never-ending financial chaos! Read More » Share: View All Blog Articles Go to main navigation About Genisys About Us Committed to Community Careers Credit Union Difference Genisys News Holiday Closings New Member Welcome Services Identity Theft 911 Order Checks Free Credit Reports NADA Vehicle guides Student Loans Resources Make a Loan Payment Calculators Fees/Disclosures Forms/Applications Security/Privacy Lost/Stolen Cards Accessibility Loan Protection Claim ATM Finder Routing #272483905 | NMLS #409008 Facebook Twitter LinkedIn Instagram YouTube TikTok Federally insured by NCUA We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act”

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“Life is full of surprises, and sometimes you just need a little extra cash in your pocket. With the Genisys Skip Loan Payment program, you can choose to skip up to two non-consecutive payments per year on qualifying loans. Learn More”

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“Commercial & Industrial Owner-Occupied CRE Multi-Family Loans Investor CRE”

“Non-owner occupied commercial real estate loans for investors”

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“With an adjustable-rate mortgage, your rate changes along with the market mortgage rates, letting you lock in a lower starting rate and take advantage of periods with low payments. Learn more Mortgage”

“Close your construction loan and permanent financing of your future home at the same time”

“Commercial Real Estate”

“Commercial Real Estate Loans”

“How do I know I’ll qualify for a loan? There are criteria every borrower must meet to qualify for a mortgage loan with us. This typically includes two years of employment at your job or in the same line of work, a minimum credit score of 680, and verified funds to close on the transaction. Once these boxes are checked, our experts can help you figure out the rest. Loans are subject to credit review. How does my credit score affect my interest rate? Your credit score is a vital part of determining your mortgage rate and loan amount. A higher credit score could result in a lower rate and lower monthly payment, while a lower credit score could result in a higher rate and higher monthly payment. Can I use a construction loan for an investment property? No. A single-close construction loan is for primary residences only. Investment properties and “spec” homes are not eligible. How long does it take to build a house? Ideally, new home construction is completed within about 12 months with a general licensed contractor. If the building process exceeds 12 months, contact your Mortgage Specialist who will advise on next steps. Can I use a construction loan if I’m doing some of the construction? No. You cannot complete construction work yourself. Your builder must complete all the work. Can I still get a loan if I don’t own land? Yes. Your land purchase can be rolled into your one-time transaction and covered in your single closing. What is the process for a construction loan and how do I use it? Once the Construction Specialist receives a draw request, a draw inspection is ordered and upon receipt, an inspection is completed to verify the work completed by the builder. If satisfactory, a check is paid to the borrower. Draws are used for the building of the home and excludes home décor, furniture, and other home furnishings that cannot be financed in the construction loan.”

“Building your dream home? Make interest-only payments during construction and convert to a fixed rate after. Apply Now See Rates”

“Customize your loan from the ground up with a single mortgage loan originator, a single loan, and a single closing process. Close your construction loan and permanent financing of your future home at the same time Make interest-only payments while you build Convert to a 15-, 20-, or 30-year fixed rate after 1 HOW IT WORKS”

“FHA and VA loans are government-backed mortgage loans that make it easier for veterans, servicemembers, and first-time homeowners to buy a house. Learn more FINANCIAL WELLNESS”

“A fixed-rate mortgage offers a stable interest rate for people looking to settle on the right home and stay there awhile. Learn more Mortgage”

“Read more See all Disclosures 1 A mortgage loan financed for 20 years @ 2.75% APR would have a monthly payment of $1,355.22. The preceding information is an example only. Your terms will be based on your individual situation. Eligibility requirements, closing costs, and fees may apply. 2 Home design, décor, furniture, and other home furnishings can’t be financed in the construction loan. 100 Peachtree St. NW Suite 2800 Atlanta, GA 30303 Routing number: 261071438 NMLS# 539379 Personal Checking Savings Credit Cards Loans Business Business Checking Business Savings Business Loans Treasury Management Financial Wellness Explore by Topic Offers Newsletter About Us Our History Membership Careers Annual Reports Support FAQs Digital Banking Banking Services Forms More Georgia’s Own Foundation Georgia’s Own Sign Copyright Georgia’s Own Credit Union 2026. Privacy & Security Accessibility USA PATRIOT Act Notice: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a new account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Equal Housing Lender Federally Insured by NCUA”

“When navigating finances has your head spinning, our mortgage specialists can step in to help you stay informed and make the right choice for your future. Our loan experts have years of experience helping people buy homes and find the right loan. Find your specialist”

“A single-close construction loan helps you finance your home from the ground up and pay your home off once it’s been built. This means you only pay closing costs once, which reduces your overall expenses. During construction, we draw from your loan to pay your contractor for building costs, such as: Land Labor Permits Materials 2 Once the building phase is complete, your single-close construction loan converts to a traditional mortgage without duplicate settlement fees. MORTGAGE LOAN OFFICERS”

“Direct partner contact: Jennifer Gin – Sr. Commercial Loan Officer E-Central Credit Union Jgin@ecentralcu.org | 626-658-4546 Name (Required) First Last Email (Required) Enter Email Confirm Email Preferred Phone Contact Number (Required) Business Name (Required) Type of Business (Required) Address (Required) Street Address Address Line 2 City Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Mariana Islands Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah U.S. Virgin Islands Vermont Virginia Washington West Virginia Wisconsin Wyoming Armed Forces Americas Armed Forces Europe Armed Forces Pacific State ZIP Code What is the estimated loan amount? (Required) Type of Loan (Required) Purchase Refinance CAPTCHA Serving the Glendale area community since 1937”

“Construction”

“Multifamily”