Mortgage Loans

Welcome to Southeastern’s Mortgage Department!  Buying or refinancing your home is one of the biggest financial decisions you’ll ever make, and our mortgage team wants to support you throughout this process. We strive for excellence in the areas of member service and mortgage lending.

If you’re in the market for a home, give us a call at 229.293.1290, email mortgage@southeasterncu.com, or stop by our Valdosta Headquarters branch located at 3501 North Valdosta Road. You can also complete the "Prequalify Now" contact form and we'll be in touch shortly. Our team looks forward to serving you!

Southeastern's trusted staff is here to guide you through the home buying process. Before your appointment with a mortgage officer, please feel free to browse through our online tools.

    • Documentation: You will need to gather a number of documents during the mortgage loan process. Take a look at our checklist here (PDF).
    • Calculators: Before you begin looking for a home, know how much home you can afford. You'll find our easy-to-use mortgage calculators here.
    • Prequalify: The first step in the home buying process is to prequalify for a mortgage loan. Prequalification is as easy as providing some basic information about yourself. Start here.

Mortgage rates change almost daily, and they are contingent on an applicant's credit score, loan amount and other key variables. Please consult with one of our friendly mortgage officers to discuss rates. You can reach us at 229.293.1290.

Whether you're a first time homebuyer, veteran, or looking to refinance your home, we have a loan program for you.

We offer:

    • FHA Loan – ideal for first time home buyers
    • VA Loan – great terms for veterans
    • USDA Loan – you may be surprised to learn your dream home qualifies for a USDA loan
    • Conventional – competitive rates and the individual service you deserve

Not sure which program best fits your needs? Give us a call at 229.293.1290 to determine which program is right for you.

Crunching the numbers? Let our easy-to-use calculators help you determine how much home you can afford, how quickly you can payoff your mortgage, or if now is a good time to refinance.

The first step in the home buying process is to prequalify for a home loan. Simply fill in your information below and one of our friendly mortgage officers will be in touch shortly.

Congratulations on deciding to become a homeowner! You've done your homework and now you're ready to apply. And if you need help, our mortgage officers are just a phone call away – 229.293.1290.

Mortgage rates change almost daily, and they are contingent on an applicant's credit score, loan amount and other key variables. Please consult with one of our friendly mortgage officers to discuss rates.

Equal Housing Lender