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Residential Lending

Home loans for today's changing market

Kinetic offers many different types of mortgages to fit your every need. We offer solutions to help you buy the home you've always dreamed of.
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • FHA & VA Loans
  • Construction Loans
  • Home Equity Loans (line of credit, closed end, and undeveloped real estate)

Apply for a loan now!

Advantages to a Credit Union Mortgage Loan

  • Preliminary Mortgage Counseling
  • Member Pre-Qualification
  • Itemized Estimate of Loan Charges
  • Competitive Interest Rates and Points
  • Variety of Loan Programs to Choose From
  • Automatic Deduction of Monthly Payment from Your Transaction Account
Georgia Residential Mortgage Licensee

Reverse Mortgage

Create the retirement you deserve with the experts you trust

Our Reverse Mortgage specialists are ready to deliver the best plan for you. We are committed to providing you with quality service every step of the way. Learn more about how our Reverse Mortgage program works for you. Our specialists are standing by to discuss the personalized Reverse Mortgage plan for you.

Call today for more information 706.320.8585

Georgia Residential Mortgage Licensee
Eligibility: Homeowners age 62 and older are eligible for a Reverse Mortgage if: You own your home outright or the value of your calculated Reverse Mortgage will cover the balance of an existing mortgage and you have attended an educational counseling session conducted by an approved agency in the area.


Auto & Homeowners Insurance



You trust Kinetic Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you TruStage Auto & Homeowners Insurance. Auto and Homeowners Insurance is now available through our website to provide better convenience to our members:

  • Convenient e-service, pay your bill or make changes to your policy, even report a claim. All online.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free no obligation quote to locate an agent at the local Liberty Mutual sales office.

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

Learn More

TruStage Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E

If you would like to make a request for information or an error resolution on your Kinetic Credit Union home equity loan please submit the request in writing and send to:

Kinetic Credit Union
PO Box 9818
Columbus GA, 31908