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First mortgage payment FAQs

What are my payment method options? Is it possible to have my mortgage payment set up as payroll deduct?

Payment methods available are:

Online Banking Member Transfer
Auto-Transfer from a Delta Community CU account
Electronic Draft (ACH) *See notes below regarding this payment option.
Interactive Voice Response (IVR) Payment
In person at any Delta Community Credit Union Branch
Mailed to:
- Delta Community Credit Union
- P.O. Box 4029
- Peachtree City, Georgia 30269

First mortgage loan payments are set up monthly. Payroll deduct, semi-monthly or bi-weekly payment methods are not available. As an alternative, we suggest that you open an Additional Savings Account and have half your payment deposited to this account each pay period. We will then draft the account monthly on the 1st. You can request to open an Additional Savings Account from within Online Banking by clicking on Add an Account under Account Services.

How do I set up a mortgage payment from another financial institution (ACH payments)?

If you would like to pay your mortgage with funds transferred from another financial institution, you can complete our 1st Mortgage Payment form or complete an external accounts transfer through Online Banking.

Complete the 1st Mortgage Payment form and return it to Mortgage Servicing. This will allow us to withdraw funds from the other financial institution and deposit them to your Delta Community Savings or Checking Account. After that the funds will be automatically transferred from your Delta Community account to pay the mortgage loan on the due date or the first business day of the month.

Transfer funds from another financial institution to your Delta Community Savings or Checking Account by selecting A2A External Transfers from the Transfers tab in Online Banking. Then you can do a one-time or recurring transfer from your Savings or Checking to your mortgage loan on the due date or any date you choose.

Can I make principal only payments on my mortgage loan?

Delta Community does allow principal payments on your mortgage. There are no prepayment penalties for paying your loan off early. These principal payments can be made several different ways:

Payment from the self-service IVR phone line: (800) 544-3328 or (404) 715-4725.
Transfer via Online Banking:
1. Log into your account and click on the 'Transfer' tab.
2. Using the drop-down menu, select the account to transfer the funds from and then choose your Mortgage loan in the Transfer To drop-down menu and enter the Transfer Amount
3. Select one of the following:
  - Make Regular Payment
  - Apply Extra to Principal to make your regular mortgage payment and post additional funds to principal
  - Pay to Principal to pay to principal only
4. Enter a memo (optional). In this field, the use of special characters are limited to $ % ( ) > + =
If your payment is made by automatic transfer, Delta Community can draft an additional amount to be applied to principal along with your regular mortgage payment.
You may also make principal payments at any Delta Community branch location.

I transferred additional funds from my Savings Account to my mortgage. How long before the balance and history payment update will change on the balance page?

If you choose the option for principal payment only, the payment will go real time as long as your loan is current. If you choose regular payment and amount transferred is less than the payment amount then the payment will go into a remittance pending status and will be processed on the next business day.

First mortgage payment FAQs

What are my payment method options? Is it possible to have my mortgage payment set up as payroll deduct?

How do I set up a mortgage payment from another financial institution (ACH payments)?

Can I make principal only payments on my mortgage loan?

I transferred additional funds from my Savings Account to my mortgage. How long before the balance and history payment update will change on the balance page?

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency