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
- Zero-Down Home Loans
- Interest Only Loans
- Stated Income Loans
- No Cost Option
- 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.
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.
Zero Down Home Loan
LFCU's "Zero-Down" home loan is perfect for first time borrowers and members interested in purchasing a new home without investing a lot of cash. Borrow up to 100% of the price of your home, up to $550,000 and pay only your closing costs.
Interest Only Home Loan
If you're looking for the lowest possible monthly payment, consider LFCU's Interest First loan. You'll pay only the interest portion of your monthly payment for a period of time which ranges from 15 years on a typical 30-year mortgage, to 3-7 years on an adjustable-rate mortgage. This is a great option if you are looking for greater purchasing power and increased cash flow.
Stated Income
No pay stub? No problem. We have flexible documentation requirements for the self-employed.
No Cost Mortgages
That's right. We cover the closing costs, without a maximum limit, so you pay no appraisal, underwriting, escrow or title fees among others - saving you up to $2,500 in costs on a typical $400,000 mortgage. LFCU's No Cost option is available on Fixed, Adjustable and Interest Only loans. Ask us if this option is right for you.
Super Jumbo
Great rates on loans up to $2 million.
Reverse Mortgage
With a reverse mortgage, you can access money with no obligation to pay it back as long as you live in your home. Click here or call (800) 328-5328 Ext 2002 or 2519 to find out more.
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.
Smart Mover - LFCU's Discount Realty Service
When it comes time to buy or sell a home, there are so many components to think of. LFCU has made this process easier by offering Smart Mover, our discount realty service. Look at all that Smart Mover can do for you:
- List your home for sale
- Access the Multiple Listing Service (MLS) (Southern California only)
- Find a qualified real estate agent, and get a cash rebate of 25% of his or her commission
- Determine the value of your home
- Get a demographic profile of your community
- Learn about schools and crime statistics for your community
- Register your change of address and more!
Smart Mover is the one stop every homeowner should make on their road to buying or selling a home.
Home Owner Resources
Visit our education center for unbiased information about all aspects of homeownership. Sample articles include:
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 refund any loan processing or underwriting fee you paid to LFCU.
Guarantee applies to 1st trust deed mortgage loans and must be requested within 30 days of loan funding.
