With a number of fixed-rate and adjustable-rate mortgage options, we are prepared to help you find financing that fits your plans. We are also equipped to support specialized financing options including VA and FHA loans.

Your mortgage lending needs will be addressed by originators who prioritize your individual goals. From application to closing, we will help you understand your options so you can make informed decisions along the way. We value flexibility, so if you would you like to get a pre-approval for a home purchase on the weekend or after business hours, we'll accommodate your schedule. With our common-sense approach to lending and our team of in-house underwriters, we guarantee fast turnaround times.

Conforming Fixed Rate Mortgage / New Construction / Condo

Conforming Fixed Rate Mortgage / New Construction / Condo

PointsTermRateAPRPayment per $1,000 Borrowed
0 Points10 Year4.250%4.463%$10.24
0 Points15 Year4.500%4.649%$7.65
0 Points20 Year5.125%5.245%$6.67
0 Points25 Year5.250%5.351%$5.99
0 Points30 Year5.250%5.339%$5.52
0.50 Points10 Year4.125%4.444%$10.18
0.50 Points15 Year4.750%4.975%$7.78
0.50 Points20 Year4.875%5.053%$6.53
0.50 Points25 Year5.125%5.276%$5.92
0.50 Points30 Year5.125%5.257%$5.44
0.75 Points10 Year4.000%4.371%$10.12
0.75 Points15 Year4.625%4.887%$7.71
0.75 Points20 Year4.750%4.956%$6.46
0.75 Points25 Year5.000%5.175%$5.85
0.75 Points30 Year5.000%5.153%$5.37
1 Points10 Year3.875%4.298%$10.07
1 Points15 Year4.500%4.798%$7.65
1 Points20 Year4.625%4.859%$6.39
1 Points25 Year4.875%5.073%$5.77
1 Points30 Year4.875%5.049%$5.29
2 Points10 Year3.750%4.380%$10.01
2 Points15 Year4.375%4.819%$7.59
2 Points20 Year4.500%4.849%$6.33
2 Points25 Year4.750%5.045%$5.70
2 Points30 Year4.750%5.008%$5.22

Non Conforming Fixed Rate Mortgage / New Construction / Condo

Non Conforming Fixed Rate Mortgage / New Construction / Condo

PointsTermRateAPRPayment per $1,000 Borrowed
0 Points10 Year5.250%5.467%$10.73
0 Points15 Year5.500%5.654%$8.17
0 Points20 Year6.125%6.249%$7.24
0 Points25 Year6.250%6.356%$6.60
0 Points30 Year6.250%6.344%$6.16
0.50 Points10 Year5.125%5.450%$10.67
0.50 Points15 Year5.750%5.982%$8.30
0.50 Points20 Year5.875%6.060%$7.09
0.50 Points25 Year6.125%6.284%$6.52
0.50 Points30 Year6.125%6.265%$6.08
0.75 Points10 Year5.000%5.378%$10.61
0.75 Points15 Year5.625%5.894%$8.24
0.75 Points20 Year5.750%5.964%$7.02
0.75 Points25 Year6.000%6.184%$6.44
0.75 Points30 Year6.000%6.163%$6.00
1 Points10 Year4.875%5.305%$10.55
1 Points15 Year5.500%5.806%$8.17
1 Points20 Year5.625%5.869%$6.95
1 Points25 Year5.875%6.084%$6.37
1 Points30 Year5.875%6.059%$5.92
2 Points10 Year4.750%5.392%$10.48
2 Points15 Year5.375%5.831%$8.10
2 Points20 Year5.500%5.863%$6.88
2 Points25 Year5.750%6.060%$6.29
2 Points30 Year5.750%6.024%$6.29

Owner Occupied

Fees vary and are due at application

Mortgage construction and biweekly mortgage payment available at a rate increase of 0.25%

APR: Annual Percentage Rate is based on a $150,000.00 loan amount; Jumbo loan APR is based on a $647,201.00 loan amount.

Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.

Rate Lock Policy: LFCU will rate lock for 60 days.

Loan terms and conditions, including interest rate and/or fees, are subject to change due to the resulting risk rating assigned by the Credit Union’s secondary market investor. Factors used in determining risk ratings include certain loan characteristics such as points, loan amount, loan-to-value, borrower’s credit, property type, occupancy, and loan purpose.

Jumbo loan limits may differ by County per FNMA Guidelines.

Construction Term Policy: The construction phase is limited to a maximum (12) month period; 10% down payment required (10% may be in reserves or land equity)

 

20 Year Amortization Conforming Adjustable Rate Mortgage / Condo

20 Year Amortization Conforming Adjustable Rate Mortgage / Condo

PointsTermRateAPRIndexCAPMargin
0 Points5/13.000%4.253%1 YR Treasury2/6+ 2.50%
0 Points5/53.250%4.381%5 YR Treasury2/6+ 2.50%

20 Year Amortization Conforming Jumbo Adjustable Rate Mortgage / Condo

20 Year Amortization Conforming Jumbo Adjustable Rate Mortgage / Condo

PointsTermRateAPRIndexCAPMargin
0 Points5/13.500%4.662%1 YR Treasury2/6+ 3.000%
0 Points5/53.750%4.783%5 YR Treasury2/6+ 3.000%

Owner Occupied / Max Loan $647,200.00

Fees vary and are due at application

Mortgage construction and biweekly mortgage payment available at a rate increase of 0.25%

APR: Annual Percentage Rate is based on a $150,000.00 loan amount; Jumbo loan APR is based on a $647,201.00 loan amount; 20 YR amortization. 

Rates are subject to increase after consummation/first adjustment.

Ceiling not to exceed 18.00%; floor not to fall below 2.50% (* 3.000% for Jumbo loans).

Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.

Rate Lock Policy: LFCU will rate lock for 60 days.

Jumbo loan limits may differ by County per FNMA Guidelines.

Construction Term Policy: The construction phase is limited to a maximum (12) month period; 10% down payment required (10% may be in reserves or land equity).

30 Year Amortization Jumbo Adjustable Rate Mortgage/New Construction / Condo

30 Year Amortization Jumbo Adjustable Rate Mortgage/New Construction / Condo

PointsTermRateAPRIndexCAPSMargin
0 PointsSPECIAL 5/13.750%4.714%1 Yr Treasury2/6+ 3.000%
0 Points5/54.000%5.086%5 Yr Treasury2/6+ 3.000%
1 PointsSPECIAL 5/13.625%4.790%1 Yr Treasury2/6+ 3.000%
1 Points5/53.875%5.126%5 Yr Treasury2/6+ 3.000%
2 PointsSPECIAL 5/13.500%4.867%1 Yr Treasury2/6+ 3.000%
2 Points5/53.750%5.142%5 Yr Treasury2/6+ 3.000%

30 Year Amortization Adjustable Rate Mortgage/New Construction / Condo

30 Year Amortization Adjustable Rate Mortgage/New Construction / Condo

PointsTermRateAPRIndexCAPSMargin
0 PointsSPECIAL 5/13.250%4.280%1 Yr Treasury2/6+ 2.500%
0 Points5/53.500%4.673%5 Yr Treasury2/6+ 2.500%
1 PointsSPECIAL 5/13.125%4.355%1 Yr Treasury2/6+ 2.500%
1 Points5/53.375%4.676%5 Yr Treasury2/6+ 2.500%
2 PointsSPECIAL 5/13.000%4.431%1 Yr Treasury2/6+ 2.500%
2 Points5/53.250%4.716%5 Yr Treasury2/6+ 2.500%

Owner Occupied / Max Loan $647,200.00

Fees vary and are due at application

Mortgage construction and biweekly mortgage payment available at a rate increase of 0.25%

APR: Annual Percentage Rate is based on a $150,000.00 loan amount; Jumbo loan APR is based on a $647,201.00 loan amount; 30-YR amortization.

Fees vary and are due at application.

Bi-weekly mortgage payment available at a Rate increase of 0.25%.

Mortgage construction available at a Rate increase of 0.25%.

Rates are subject to increase after consummation/first adjustment.

Ceiling not to exceed 18.00%; floor not to fall below 2.500% ( * 3.000% for Jumbo loans).

Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.

Payments do not include amounts for taxes and insurance premiums, if applicable. The actual payment obligation will be greater. 

Rate Lock Policy: LFCU will rate lock for 60 days for a fee of $500.00 and is refunded upon receipt of closing from attorney; fee is non-refundable on withdrawn applications; fee and rate lock are forfeited on loans closed after the 60 day period; fee is automatically refunded on denied applications.

Loan terms and conditions, including interest rate and/or fees, are subject to change due to the resulting risk rating assigned by the Credit Union’s secondary market investor. Factors used in determining risk ratings include certain loan characteristics such as points, loan amount, loan-to-value, borrower’s credit, property type, occupancy, and loan purpose.

Jumbo loan limits may differ by County per FNMA Guidelines.

Construction Term Policy: The construction phase is limited to a maximum (12) month period; 10% down payment required (10% may be in reserves or land equity)

Conforming Jumbo Fixed Rate Mortgage / New Construction / Condo

Conforming Jumbo Fixed Rate Mortgage / New Construction / Condo

PointsTermRateAPRPayment per $1,000 borrowed
0 Points10 Year4.750%4.800%$10.48
0 Points15 Year5.000%5.035%$7.91
0 Points20 Year5.625%5.653%$6.95
0 Points25 Year5.750%5.774%$6.29
0 Points30 Year5.750%5.771%$5.84
0.50 Points10 Year4.625%4.782%$10.42
0.50 Points15 Year5.250%5.362%$8.04
0.50 Points20 Year5.500%5.589%$6.88
0.50 Points25 Year5.625%5.701%$6.22
0.50 Points30 Year5.625%5.692%$5.76
0.75 Points10 Year4.500%4.710%$10.36
0.75 Points15 Year5.125%5.274%$7.97
0.75 Points20 Year5.375%5.494%$6.81
0.75 Points25 Year5.500%5.601%$6.14
0.75 Points30 Year5.500%5.589%$5.68
1 Points10 Year4.375%4.638%$10.30
1 Points15 Year5.000%5.186%$7.91
1 Points20 Year5.250%5.398%$6.74
1 Points25 Year5.375%5.501%$6.07
1 Points30 Year5.375%5.485%$5.60
2 Points10 Year4.250%4.724%$10.24
2 Points15 Year4.875%5.210%$7.84
2 Points20 Year5.125%5.391%$6.67
2 Points25 Year5.250%5.475%$5.99
2 Points30 Year5.250%5.448%$5.52

Non Conforming Jumbo Fixed Rate Mortgage / New Construction / Condo

Non Conforming Jumbo Fixed Rate Mortgage / New Construction / Condo

PointsTermRateAPRPayment per $1,000 Borrowed
0 Points10 Year5.750%5.801%$10.98
0 Points15 Year6.000%6.036%$8.44
0 Points20 Year6.625%6.654%$7.53
0 Points25 Year6.750%6.775%$6.91
0 Points30 Year6.750%6.773%$6.49
0.50 Points10 Year5.625%5.785%$10.91
0.50 Points15 Year5.875%5.989%$8.37
0.50 Points20 Year6.500%6.593%$7.46
0.50 Points25 Year6.625%6.704%$6.83
0.50 Points30 Year6.625%6.696%$6.40
0.75 Points10 Year5.500%5.714%$10.85
0.75 Points15 Year6.125%6.278%$8.51
0.75 Points20 Year6.375%6.498%$7.38
0.75 Points25 Year6.500%6.606%$6.75
0.75 Points30 Year6.500%6.594%$6.32
1 Points10 Year5.375%5.643%$10.79
1 Points15 Year6.000%6.192%$8.44
1 Points20 Year6.250%6.404%$7.31
1 Points25 Year6.375%6.507%$6.67
1 Points30 Year6.375%6.492%$6.24
2 Points10 Year5.250%5.733%$10.73
2 Points15 Year5.875%6.220%$8.37
2 Points20 Year6.125%6.402%$7.24
2 Points25 Year6.250%6.487%$6.60
2 Points30 Year6.250%6.460%$6.16

Fees vary and are due at application

Mortgage construction and biweekly mortgage payment available at a rate increase of 0.25%

APR: APR:  Annual Percentage Rate is based on a $150,000.00 loan amount; Jumbo loan APR is based on a $647,201.00 loan amount; 30- YR amortization.

Rates are subject to increase after consummation/first adjustment.

Floor rate will not fall below 2.500% (* 3.000% for Jumbo loans).

Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.

Rate Lock Policy: LFCU will rate lock for 60 days.

Jumbo loan limits may differ by County per FNMA Guidelines

Construction Term Policy: The construction phase is limited to a maximum (12) month period; 10% down payment required (10% may be in reserves or land equity).