Mortgage Loans To Meet Your Needs
Take advantage of the many mortgage loans LFCU offers, including:
- Fixed Rate and Adjustable Rate Loans
- Jumbo and Super Jumbo Loans
- Reverse Mortgage
LFCU's mortgage loans are available in the following states: AZ, CA, DC, FL, ME, MD, MA NH, NV, and VA
Get pre-qualified in minutes.
Click here to fill out our simple pre-qualification form. We'll get back to you right away with an estimate of your qualified loan amount.
We'll help you every step of the way
We understand buying a home can be a stressful experience. That's why our real estate lending team will proactively update you every step of the way. We have also created a detailed summary of all the steps involved to fund your purchase or refinance loan in the "Road to a Mortgage Loan" links below. Take a look to learn exactly what you can expect.
Step by step overview:
Road to a Purchase loan Road to a Refinance loan
10-Year Fixed Rate Loan
Own your home sooner and save a small fortune in interest expense with our 10-year fixed rate loan.
15- 20- or 30-Year Fixed Rates
Enjoy monthly payments that never change. Choose a 15- or 20-year term for faster payoff, or a 30-year term for a lower monthly payment.
30-Year Adjustable Rate
Our 1-, 3-, 5- and 7-year adjustable rate mortgages or "ARMs" offer the benefit of a lower fixed introductory rate.
The 3% Down Mortgage is BACK!
LFCU is again offering 97% Loan-to-Value financing on home loans. This program is designed for those who have found their dream home, but have not saved a large down payment. With housing prices and mortgage rates at record lows, now may be the perfect time to buy a home.
This option is available on fixed-rate mortgages up to $417,000. Members must have excellent credit and provide the 3% down payment from their own funds. Not all members will qualify and private mortgage insurance will be required. Please ask for details.
Super Jumbo
Great rates on loans up to $2 million.
Online Mortgage Center
We've eliminated traditional paperwork and red tape in favor of a few clicks and questions. Simply visit our online mortgage center to see how easy it is to select and apply for the loan that's right for you. Handy calculators help you calculate loan payments, identify the best time to refinance, determine how much home you can afford, and more.
Less than perfect credit?
At LFCU we know that members are more than the sum of their credit scores. We work hard to say say yes, even when applicants have a few blemishes in their credit history. To learn more about our Expanded Approval program, call (800) 328-LFCU, option 2. Or, visit our mortgage center to apply online. We look forward to serving you.
Money Back Satisfaction Guarantee
LFCU is 100% committed to excellent member service, and we stand behind that commitment with an unconditional money back guarantee. If you receive less-than-satisfactory service during your real estate loan application process, immediately contact any LFCU representative. We will do everything in our power to make the situation right.
If, after your loan is funded, you believe we did not meet your service expectations, we will gladly credit $500 to your LFCU savings account.
Guarantee applies to 1st trust deed mortgage loans and must be requested within 30 days of loan funding.
