Mortgage Loans
Let us recommend a mortgage loan that fits your needs.
We make the mortgage process as easy as opening the door to your home!
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. Making wise choices now will pay off down the road.
Benefits of a Home Loan with Lafayette Federal
We’ll take the mystery out of buying a home– and a bunch of the costs too! Plus, with our first time home buyers program, you’ll get all the help you need understanding your options.
First Time Home Buyer Programs
Feel confident and secure while you make one of the biggest financial decisions of your life. Our First Time Home Buyer Programs help you with everything from your downpayment and finding a home you can afford.
Loans up to $3 Million
Your home-buying possibilities are endless when you finance through Lafayette Federal, with higher loan limits than your average bank.
Financing Available in All 50 States
Your potential for buying a new home is nationwide. Whether you’re looking to settle on the west or east coast, or anywhere in between, we’re here to help you finance it in all 50 states.
Lafayette Federal Realty Rewards
Take advantage of this exclusive, free member service that can help you search and save on your next home. We’ll help you find an experienced agent, support you from beginning to end, and even earn up to thousands of dollars in Realty Rewards Cash Rewards.
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.
Find the mortgage loan option that works best for you.
Select all that apply and scroll down to view your loan options.
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!
Tip Fishburn
Cell: 202-819-1407
Office: 240-747-3173
Robert Nusgart
Cell: 410-245-3758
Office: 240-747-2482
Tim Spaniol
Cell: 804-944-4912
Office: 240-747-3374
Margaret Smith
Cell: 410-430-2824
Office: 240-747-3176
Jermaine Medley
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.
How to Use a HELOC: Smart Ways to Leverage Your Home Equity
As you pay down your mortgage and your home’s value changes, you build equity that can potentially help you fund major expenses, consolidate debt, make improvements, or prepare for unexpected costs. One way to access that equity is through a Home Equity Line of Credit (HELOC). A HELOC is a revolving line of credit secured by your home. Unlike a traditional…
Read more
Housing Market Update – August 2026
Mortgage rates have remained elevated in recent months, leaving many prospective homebuyers wondering when (or if) they’ll see meaningful relief. While rates can change quickly in response to economic and market conditions, several factors are currently keeping upward pressure on borrowing costs. So, what’s keeping rates from falling more quickly? There are a few key…
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What to Know About a Home’s HVAC System
You must consider various factors, including location, neighborhood, layout, number of bedrooms and bathrooms, and even school districts. Not to mention that you need to evaluate essential features such as storage, amenities, or even finishes on the newly renovated kitchen. But savvy home buyers know that some of the most important things to check are…
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 a Mortgage Loan?
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Equal Housing Lender. NMLS#: 464425
