Mortgage Loans

Mortgage Loans

At Robins Financial Credit Union, we understand the home buying process can be intimidating, especially for first time home buyers. We’re here to help. Our friendly staff will guide you through the mortgage loan process and even help you save more on your home. With excellent rates, fewer fees, convenient payment options, and a variety of mortgage programs to suit your needs, Robins Financial makes buying your dream home easy and affordable!

Existing Applicants Apply For A Loan

*Unique Mortgage Application User ID, separate from Digital Banking Credentials must be created

A Variety of Home Loans for All Kinds of Homebuyers

There are so many home financing options available, including VA and USDA mortgage loans, FHA home loans, and programs for first time home buyers. Robins Financial can help you finance your home purchase anywhere in Georgia online, by phone, or in one of our convenient branch locations.

Finding the right home is the most important part of buying a house. Finding the right mortgage is just as important to set a solid foundation for successful home ownership. We have tools, like mortgage calculators, along with other information and expertise to help you with the decisions you need to make along the way.


  • Quick Closings Icon

    Quick Closings

  • Competitive Rates Icon

    Competitive Rates

  • Special Credit Union pricing for PMI Icon

    Special Credit Union pricing for PMI

  • Low Closing Costs Icon

    Low Closing Costs

  • No Georgia Intangible Taxes Icon

    No Georgia Intangible Taxes**

  • Origination Icon

    Reduced Origination***



Mortgage Loans We Offer

We offer a variety of mortgage loan types to fit your unique needs. As your trusted financial partner, we're here to help you choose which loan works best for you.



Start your home mortgage process today by applying online, by phone, or make an appointment with one of our Mortgage Specialists to get the process started.


  • Disclosures

    *Down payment assistance program for First Time Homebuyer Loan is a product of the Federal Home Loan Bank of Atlanta.
    **Intangible taxes are exempt only on Conventional and VA loans, Intangible tax applies to FHA and USDA loans.
    ***Some exclusions apply. Ask for details.
    Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data, send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849.

Existing Applicants Apply For A Loan

*Unique Mortgage Application User ID, separate from Digital Banking Credentials must be created

Don't Go it Alone, Contact One of Our Home Buying Experts

Buying or refinancing your home can be a complex process. Our skilled Mortgage Account Executives are at your neighborhood Robins Financial branch, ready to listen and provide answers to your mortgage questions. We provide personalized service and can help make sure your mortgage process goes smoothly.

Contact one of our experts today.

Athens Branch

Ansley Barclay
Athens Branch
2636 Atlanta Hwy
GA. 30606
478-923-3773, Ext. 4709
800-241-2405, Ext. 4709
NMLS #1636350

Chantilly Branch

Mary Couto
Chantilly Branch
502 South Houston Lake Rd
Warner Robins
GA. 31088
478-923-3773, Ext. 3460
800-241-2405, Ext. 3460
NMLS #2124570

Milledgeville Branch

Bonnie Butler
Milledgeville Branch
2584 North Columbia St
GA. 31061
478-923-3773, Ext. 3921
800-241-2405, Ext. 3921
NMLS #1563262

Watson Branch

Donna Drummond
Watson Branch
803 Watson Blvd
Warner Robins
GA. 31088
478-923-3773, Ext. 2276
800-241-2405, Ext. 2276
NMLS #2078644


Zebulon Branch

Jason Atkinson
Zebulon Branch
5999 Zebulon Rd
GA. 31210
478-923-3773, Ext. 4422
800-241-2405, Ext. 4422
NMLS #195374

Russell Branch

Angela Fellinger
Russell Branch
4850 Russell Pkwy
Warner Robins
GA. 31088
478-923-3773, Ext. 2271
800-241-2405, Ext. 2271
NMLS #583513

Russell Branch

Debbie Alexander
Russell Branch
4850 Russell Pkwy
Warner Robins
GA. 31088
478-923-3773, Ext. 2205
800-241-2405, Ext. 2205
NMLS #658791

Russell Branch

Millicent Billings
Russell Branch
4850 Russell Pkwy
Warner Robins
GA. 31088
478-923-3773, Ext. 2262
800-241-2405, Ext. 2262
NMLS #583502

Existing Applicants Apply For A Loan

*Unique Mortgage Application User ID, separate from Digital Banking Credentials must be created

New: Mortgage and Home Buying Process Videos

Purchasing a home can be very exciting and very nerve-racking. But we want to make sure you have the best experience possible. That is why we came up with a series of videos that covers the home buying process from start to finish. Click on any of the thumbnails below and when you are ready to begin your journey, we are here to help!

First time Home Buying:

In this video we discuss the three stages of buying a home. Preparing and finding a house, applying for a mortgage loan, and closing on your mortgage loan.



Applying for a mortgage:

In this video we will discuss the application process, various mortgage loan options, what you'll need in order to apply, and how the approval process works.



Understanding your home loan:

As your guide through the mortgage loan process, Robins Financial wants to make sure you have a clear understanding of the key parts of your mortgage loan. In this video, we’ll break down the various upfront and ongoing costs involved in buying a home.



What to expect at closing:

At last it’s time to close! But what can you expect at closing? What do you need to do? Where will it be at? What exactly happens? We've got all the answers you need in this video to help you understand this final, yet most important step, to getting your dream home.



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