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

*New credentials must be created to apply for a new loan

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***

Affordable First Mortgage Loans

Our First Time Home Buyer's Program allows you to finance up to 97% of the home's appraised value or purchase price (whichever is less), with reduced closing costs. All Affordable First Mortgages feature no appraisal, credit report, or underwriting fees*** as well as down payment assistance programs*, competitive rates and special credit union pricing for PMI along with a money-saving reduced Origination fee.

Fixed Rate Mortgage Loans

Fixed Rate Mortgages allow you to finance up to 95% of the home's appraised value or purchase price (whichever is less) with terms up to 30 years.

Adjustable Rate Mortgage Loans

The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually.

VA Mortgage Loans

For those who qualify; our VA Mortgages feature competitive rates and no down payments.

FHA Mortgage Loans

The Federal Housing Administration (FHA) Program is designed to promote home ownership.

USDA Mortgage Loans

For those who qualify; USDA Mortgage Loans provide up to 100% financing in rural areas.

Construction Loans

Finance up to 90% of appraised value at an adjustable 9-month rate. (Terms and conditions apply)

Land Loans

Fixed rate mortgage options for land purchases. 

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

    *First time home buyer product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta's Affordable Housing Program implementation Plan at for complete product requirements.
    **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

*New credentials must be created to apply for a new loan

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.

Chantilly Branch

Debbie Alexander
Chantilly Branch
502 South Houston Lake Rd
Warner Robins
GA. 31088
478-923-3773, Ext. 3460
800-241-2405, Ext. 3460
NMLS #658791

Watkinsville Branch

Valerie McDaniel
Watkinsville Branch
2273 Hog Mountain Rd
GA. 30677
478-923-3773, Ext. 5203
800-241-2405, Ext. 5203
NMLS #1905902

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

Watson Branch

Millicent Billings
Watson Branch
803 Watson Blvd
Warner Robins
GA. 31093
478-923-3773, Ext. 2262
800-241-2405, Ext. 2262
NMLS #583502

Dublin Branch

Donna Drummond
Russell Branch
4850 Russell Pkwy
Warner Robins
GA. 31088
478-923-3773, Ext. 2276
800-241-2405, Ext. 2276
NMLS #2078644

Milledgeville Branch

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

Russell Branch

Deborah B. Chance
Russell Branch
4850 Russell Pkwy
Warner Robins
GA. 31088
478-923-3773, Ext. 2263
800-241-2405, Ext. 2263
NMLS #583505

Existing Applicants Apply For A Loan

*New credentials must be created to apply for a new loan

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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