Home Mortgages

You find the right house. We'll help make it your home.

Buying a home is exciting with plenty of moving parts. That's where Five Star will do the heavy lifting. Our mortgage loan originators will explain the details of our mortgage options, simplify the financing process and generally help things along until it's time for you to walk through your new front door.

  • Competitive rates and closing costs
  • No Private Mortgage Insurance (PMI) Option
  • 30-year fixed loans with stable monthly payments for easier long-term financial planning
  • Federal Housing Agency (FHA) loans come with down payments as low as 3.5%
  • VA loans feature 100% financing, limited closing costs and no private mortgage insurance (PMI), and are available to active duty military, veterans, reservists and some spouses
  • USDA loans offer a range of financial advantages for those who want to live in rural areas or certain suburbs. There are some income limitations


 
 

Benefits of Financing with Five Star: 

  • Competitive interest rates and affordable closing costs 
  • Local mortgage experts who provide personalized guidance 
  • Streamlined application and approval process
  • Flexible financing options for a variety of homeownership needs
  • Fast, local decision-making from people you know and trust
  • Service and support from application to closing and beyond 
  • Convenient financial centers locations throughout Alabama and Georgia 
 
 

Mortgage Programs Designed for Your Needs 

No two homebuyers are alike. Our mortgage team will help you explore financing options and determine which loan program best fits your situation. 

  • Conventional Mortgage Loans
  • FHA Loans
  • VA Loans
  • USDA Rural Development Loans
  • Home Equity Loans and Line of Credit
 
NMLS ID# 416489 
 
 

Our Mortgage Team

At Five Star we ensure that our members are taken care of by the best local professionals who are willing to provide each member with the best service possible and mortgage program suitable for their situation.
 

Conventional Mortgage Loans

  • Competitive rates and flexible terms 
  • Up to 100% financing available   
  • Fixed-rate options for predictable monthly payments  
  • Ideal for primary residences, second homes, and refinancing  

FHA Loans

  • Down payments as low as 3.5% for qualified borrowers 
  • Flexible credit qualification requirements 
  • Great option for first-time homebuyers  

VA Loans

  • Available to eligible active-duty military, veterans, reservists, and qualifying spouses  
  • Up to 100% financing available  
  • No private mortgage insurance (PMI)  
  • Limited closing costs for qualified borrowers  

USDA Rural Development Loans 

  • Financing options for eligible rural and suburban properties  
  • 100% financing available for eligible USDA loans
  • Affordable homeownership opportunities for qualified borrowers  
  • Income eligibility requirements may apply
 
 

Home Equity Loans and Line of Credit 

  • Choose between lump sum loans or revolving credit lines
  • Competitive rates and closing costs
  • Loan amounts depend on your home's equity - the difference between its market value and your current mortgage balance
  • Can be used for tuition, business start-up, or vacation
  • Easily access credit lines through online and mobile banking and at Five Star financial centers 

Construction Loans

  • One application. One closing
  • Interest-only payments during construction
  • One-Time Close Construction-to-Permanent Loan
  • Finance your lot and new home together
  • Flexible builder draw schedule
  • Local lending with personalized service

Candice White
Alabama - South East Georgia Area
Sr. Loan Originator 
NMLS #512185
Email: 
Phone: (888) 619-1711
 ext. 1133
Cell: (334) 648-1018
Fax: (334) 836-2043

Beth Combs
Greater Macon Georgia Area
Loan Originator
NMLS# 679604 
Email:
Phone: (888) 619-1711 
ext. 1167
Cell: (478) 960-4317  
Fax: (334) 836-2043  
 

Victoria Mack
Brunswick/St. Simons Georgia Area
Loan Originator
NMLS# 2741922  
Phone: (888) 619-1711  
ext. 1152
Cell: (912) 400-1489  













Serving Alabama & Georgia Communities 

Five Star Credit Union proudly serves members across Alabama and Georgia with trusted financial solutions and hometown service. Our mortgage team is dedicated to helping families and individuals achieve homeownership through affordable financing and exceptional support.

Five Star Credit Union is a full-service financial institution with locations in Alabama and Georgia, serving members nationwide.
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HOME IS CLOSER THAN YOU THINK

Ready to Get Started? 

Whether you're buying your first home, refinancing, or building your dream home, Five Star Credit Union is ready to help. Apply today and discover why so many homeowners throughout Alabama and Georgia trust Five Star Credit Union for their mortgage financing needs.

 

Apply For a mortgage today

Local Decisions. Personal Service. Home Financing You Can Trust.

                                              The Five Star Mortgage Process
Meet with a local mortgage specialist who will discuss your goals and answer your questions. At Five Star our Mortgage team is determined to provide our members with the best possible opportunities for you to succeed. 
 
Complete your mortgage application online or at one of our Alabama or Georgia branch locations. Five Star makes it easy to apply for a mortgage whether you prefer doing it online or with the best local professionals in your area we have you covered.
 
Our lending team will review your application, explain your options, and help you select the best financing solution. Comfortability is what we strive for; our lenders ensure an easy and comfortable process for you to be stress free during your mortgage process.
We'll work diligently to keep the process moving so you can focus on preparing for your new home. Your happiness is ours. We ensure a smooth process so the excitement of your move in day is the spotlight and not your finances. 
 






Modification of Current Loan

Lower your mortgage rate without refinancing. If rates have dropped or your credit score has improved, you may qualify for a one-time rate modification with no closing costs.* You can also switch from an adjustable-rate mortgage to the stability of a fixed-rate loan.

*Available on eligible existing Five Star Credit Union mortgage loans. Other restrictions may apply.

The possibilities are endless

Home Equity Loans & Lines of Credit


Home equity funds are often used to consolidate debt, add rooms, upgrade a kitchen, or put in a pool. You don't have to just focus on remodeling. The money can be used for tuition, a vacation, launching a new business, or chase down another dream. 

  • Choose between lump sum loans or revolving credit lines
  • Competitive rates and closing costs
  • Loan amounts depend on your home's equity - the difference between its market value and your current mortgage balance
  • Easily access credit lines through online and mobile banking and at Five Star financial centers
  • Home Equity funds are often used to pay down higher interest loans or credit card balances

Refinancing

An easy way to save money


Refinancing your mortgage could help you lower your interest rate, reduce your monthly payment, or take advantage of an improved credit score. You may also be able to switch from an adjustable-rate mortgage to the stability of a fixed-rate loan. Talk with a Five Star mortgage specialist to see if refinancing is the right solution for you.