Home Loans

Mortgages, home equity loans and special incentives for first-time homebuyers.

Get to know LUSO home loan lending.

Buy, build or refinance with our full support.


    Choose from a full range of rate options from adjustable-rate mortgages to 30-year fixed mortgage rates for houses and condos. Not sure what’s right for you? Our expert lenders will guide you to make the most informed decisions from application to closing.

    Home Equity Loans

    Need to make home improvements? Cover a tuition bill? Pay off debt? Borrow against the value in your home to get the funds you need. Choose from a fixed-rate home equity loan or a flexible home equity line of credit (HELOC) that you can access on demand and repay as needed.

    Construction Loans

    Dream of building from the ground up? Ready to expand your business? Build or renovate an owner-occupied or non-owner-occupied property with flexible financing and dedicated support from our expert team of mortgage lenders.

    Land Loans

    Found a small piece of property with big potential? Take the steps to make it yours. LUSO offers fixed-rate and adjustable-rate loans for short-term and long-term goals. Let’s make it happen. Discuss your options and plans with a lending expert today.

    Federally Secured Mortgage Programs

    Are you a veteran or serving in the military? Are you putting down roots in a rural area? LUSO offers a number of government-backed loans, including FHA, VA, Rehab, and USDA Rural Housing Loans. Talk with a lender to see if you qualify.

    Become a member.

    Join LUSO Federal Credit Union and enjoy these benefits and many more.

    Credit Builder Loan

    Borrow Smart

    Credit Sense

    Know Your Score

    Financial Tune-Up

    Let’s evaluate your needs to ensure you get the best rates on home loans, personal loans and business loans to meet your goals.