Essential Worker Mortgage Program
Making home ownership a reality for our everyday heroes.
We are committed to getting you into your dream home.
People helping people. It’s the credit union philosophy, and one we firmly stand by. In exchange for your tireless service, let us take care of you by getting you into your dream home.
We are proud to offer our Essential Worker Mortgage Program1 to those who show the utmost in courage and resilience in helping some of the most vulnerable, day in and day out.
Eligibility for Several Essential Worker Categories
including current or retired law enforcement officers, educators, health care workers, firefighters and other first responders, veterans or active-duty members of the U.S. military or their surviving spouse, and COVID-related essential workers2
Your customized mortgage program includes the following:
Discounted Rate
to lower your monthly payment
Up to 105% Financing
means less upfront funding needed
Loans to $750,000
to increase your home affordability
Credit Union Difference
we care for you like you care for others
What to expect from beginning to end
Buying a home is a big deal. Whether it’s your first home or your retirement home, this is one purchase that should never be taken lightly.
Learn more about the Lafayette Federal mortgage process, and how we help you finance a home loan from beginning to end.
The Lafayette Federal mortgage process
We make the mortgage process as easy as opening the door to your home!
Compare loan programs, rates and terms
Our team will work with you to weigh your options, consider different terms, and find the perfect rate so you can get the best deal possible.
Apply for a loan
Conveniently complete your mortgage application online with the help of one of our Mortgage Loan Officers.
Provide supporting documents
Gather all the documentation needed including tax documents, income statements, and more so we can successfully process your application.
Get pre-approved
Once you’re pre-approved, you’re halfway there! We’ll confirm how much home you can afford.
Lock in your rate and get final approval
Our team will work with you to find the best rate long-term, and you’ll get final approval.
We provide final loan documents for review
We’ll prepare all the loan documents so you can sign on the dotted line and head towards closing on your new home!
Close on your home
Congratulations! It’s closing time and it’s time to open the door to your new home.
Enjoy your happy place
Make your house a home with a fresh coat of paint or upgraded kitchen appliances. After all, it’s yours! And remember that we’re here to help you with any home improvement or upgrades you’d like to make in the future.
Earn thousands in Cash Rewards with Lafayette Realty Rewards
Take advantage of our free member service that can help you buy, sell, and save on your next home.
Our members say the nicest things.
Lafayette Federal has been my trusted credit union for the last 34 years, providing for me while I served both overseas and here in the United States! You have helped me to plan for the future, finance mortgages, fund my business start-up, and save for retirement. Thanks for being my bedrock as I now look forward to enjoying this next phase of my life!
Brian R. Member for 34 Years
Meet our mortgage team.
Ready to close on your mortgage quickly? We can get your mortgage approved in minutes, rather than days or weeks! We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage. We’re always just a call or email away!
Robert Nusgart
Cell: 410-245-3758
Office: 240-747-2482
Jermaine Medley
Tip Fishburn
Cell: 202-819-1407
Office: 240-747-3173
Margaret Smith
Cell: 410-430-2824
Office: 240-747-3176
Tim Spaniol
Cell: 804-944-4912
Office: 240-747-3374
Home financing advice
Explore our blog for resources on the home buying process, practical advice, and tips for securing a mortgage that works for you and your family.
Housing Market Update – July 2026
July 15, 2026 Will Mortgage Rates Go Down? Here’s What Homebuyers Should Know Will mortgage rates go down? It’s one of the most common questions homebuyers are asking today. While no one can predict interest rates with certainty, current economic conditions suggest that mortgage rates may remain higher than many buyers had hoped for…
Read more
Biggest Home Inspection Red Flags to Look Out for Before Buying
However, since buying a home is one of the largest investments you can make, a comprehensive home inspection is also one of the most critical steps in this process. A professional inspection helps uncover hidden problems that may not be visible during a casual walkthrough—issues that could cost thousands of dollars in repairs and even…
Read more
Homeownership Made Simpler: Key Takeaways from Our Recent Webinar
During our recent First-Time Homebuyer Webinar, Lafayette Federal’s mortgage experts walked attendees through the homebuying process, from understanding credit requirements and obtaining a strong pre-approval to exploring financing options designed to make homeownership more accessible. The session also highlighted Lafayette’s Essential Workers Mortgage Program, which offers qualified borrowers up to 100% financing with no private…
Read moreThere’s even more to explore.
Homeowner’s Insurance
Get exceptional savings and trusted service so you can protect your home. Plus, get a discounted rate just for being a Lafayette Federal member.
Life and Family Insurance
Protect the people who matter most to you when you secure a life insurance plan with Lafayette Federal. We offer various options with endless possibilities to help you take care of your family.
Ready to apply for an Essential Worker Mortgage?
Back to top Disclosures
Equal Housing Lender. NMLS#: 464425
¹Offer applies to a 5/5 Adjustable Rate Mortgage (ARM) only. ²Lafayette Federal Credit Union employees, family members, and volunteers, in addition to employees of other financial institutions, are excluded from offer. Other restrictions may apply. Must be eligible for membership. $50 minimum balance required to open and earn 0.10% APY (APY = Annual Percentage Yield) on share savings account balances. $5 minimum balance required to open and earn 0.025% APY on checking account balances. Dividends are compounded and paid monthly on the first day of the next dividend period. Rates current as of December 20th, 2024 and subject to change without notice. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government. Lafayette Federal Credit Union is an equal housing lender. NMLS# 464425.