Mortgage Loans


Ask us how you can avoid PMI with less money down.

Many mortgage lenders require a large down payment to avoid Private Mortgage Insurance (PMI). We don’t. Our adjustable rate mortgages do not require PMI unless you borrow more than 90% loan to value. That means you keep more of your money for moving, furnishing–whatever you need to make that house yours. 

Talk to us about how you can save money with a competitive mortgage rate and lower down payment– whether you need an ARM or fixed rate, standard or jumbo.

 See all rates. 

Not a member yet? Our community-based charter allows anyone who lives, works, worships or attends school in Greenville County to join. 

Adjustable Rate Mortgage (ARM)

Need a great rate and a lower down payment? Greenville Federal Credit Union provides ARMs up to 97%* loan to value that generally have lower initial rates than fixed rate mortgages. We charge a 1% origination fee to underwrite and process your loan request. Private mortgage insurance is not required unless you borrow more than 90% loan to value. Our ARM rates cannot change more than 8% up or down over the life of the loan. The credit union manages and services your loan locally.  Apply now.

Two-year ARM

  • Initial rate, and principal and interest payments fixed for two years
  • Rate cannot change more than 1% every two years 

Five/One ARM

  • Initial rate, and principal and interest payments fixed for the first five years
  • After five years, rate cannot change more than 1% each year

*For first time home-buyers, 95% after.

Fixed Rate Mortgage

Choose a term of 10 to 30 years and apply through us for a competitive fixed rate mortgage. A fixed rate may make sense when rates are low and you expect to stay in your home more than seven years. Mortgages up to 97% loan to value are available.  Rates change daily – check back often to make sure you have the most current rate information. Apply now.

Refinance for a Better Rate

Refinancing your existing loan is a great way to lower your monthly payment, shorten the term of your loan, or reduce the amount of interest that you will pay over the life of your loan. With interest rates at all time lows there couldn’t be a better time to consider refinancing your existing loan for a better rate. Apply now.     

Other Mortgage Options

  • Jumbo rates
  • Unimproved Property
  • Primary Residence
  • Secondary Residence
  • Investment Property

Pre-Approval or Pre-Qualification Letter

Mortgage Application

Calculate Your Payment

Current Rates

Application Checklist

Equal Housing Lender


For general questions about mortgage, refinance or home equity loans call our Contact Center or email

Download our Mortgage Services Flyer for more information on our loan services and the loan process.