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Serving members worldwide since 1935.

Mortgage Loans

  • First Time Home Buyer Programs
  • Loans up to $3 Million
  • Financing Available in All 50 States

Fixed or adjustable-rate mortgage loans to fit your needs!

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Tips for Buying a 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.

Check Out Our Home Buying Resources

We make the mortgage process as easy as opening the door to your home!

Choose from a Variety of First Mortgages

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. You’ll also receive:

  • Rate discounts that save you money long term
  • Loan options with down payments as little as 3%
  • Loans up to $3,000,000

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are a secure way to ensure a stable payment and rate on your loan. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

An adjustable rate mortgage has a monthly payment that may change over the term of the loan.

Lafayette Federal is proud to offer two ARM Programs: our Equity Builder and Wealth Builder Mortgages. They were created to help meet the financial needs of our members. The premise behind our Equity Builder Mortgage was to link the borrowing member to relatively low and comparatively stable indexes, thereby providing the member with a low and historically stable mortgage rate and generally reducing the amount of interest paid relative to other ARM loans during the life of the loan. It comes in in a 1 year variation that has the ability to adjust every year.

Our Wealth Builder Mortgage is based off the Treasury Constant Maturity Rate index and comes with longer adjustment periods. Our favorite is our 5 Year Wealth Builder Mortgage; it provides the security of a longer period while providing the other benefits associated with our other Lafayette Federal ARM Programs.


A Lafayette Federal Bridge Loan helps you bridge the gap between having the money to purchase the home of your dreams and selling your existing residence. If you’re under a time crunch to sell, a Bridge Loan, which leverages the equity of your current home, gives you the money you need for a down payment, allowing you to close on your new home without having to worry about selling your current home. The Bridge Loan is paid off with the proceeds of your current home (also known as your departing residence).

  • Financing up to 80% Loan-to-Value (LTV) on your current home
  • Treated like a first mortgage refinance
  • 12 month balloon
  • Monthly payments are optional – but not required – interest accrues and balance is due at maturity or payoff (whichever comes first)

Our Construction-to-Permanent loan covers construction while you’re building, then converts to a fully-amortized mortgage when completed. We offer an up-front rate lock and only require a single appraisal to save you money.

  • Interest-only payments during the construction phase, up to 18 months
  • Purchase and Refinance transactions
  • Loan amounts up to $3 million based on the home’s future appraised value
  • Commonsense approach to underwriting

Lafayette Federal HomeAdvantage®

Take advantage of this exclusive, free member service that can help you search, buy, sell and save on your next home.

  • Find an Experienced Agent
  • Earn HomeAdvantage Cash Rewards
  • Get Support Anytime You Need
Learn About HomeAdvantage


Calculate Your Payment and More

Choose Your Mortgage Loan Officer

You can call or email us to answer questions or get advice. 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. Confused about which program to choose? We'll help you determine what's best for your situation. We're always just a call or email away!

Mortgage officers are based in our Corporate Office at 2701 Tower Oaks Boulevard, Rockville, MD 20852.

Laura Grabowski

Laura Grabowski

Mortgage Loan Officer
NMLS #428701
Office 240-292-5584
Cell: 202-603-7248
lgrabowski@lfcu.org

Learn more about Laura and get pre-approved for your mortgage.

Start an Application
Schedule a Call or Meeting
Norbert Fichtel

Norbert Fichtel

Mortgage Loan Officer
NMLS #1685442
Office 240-292-5526
Cell: 202-603-1223
nfichtel@lfcu.org

Learn more about Norbert and get pre-approved for your mortgage.

Start an Application
Schedule a Call or Meeting
Rick Switalski

Rick Switalski

Mortgage Loan Officer
NMLS #2178518
Office 240-292-5592
Cell: 202-809-6986
rswitalski@lfcu.org

Learn more about Rick and get pre-approved for your mortgage.

Start an Application
Schedule a Call or Meeting
Jermaine Medley

Jermaine Medley

Vice President – Mortgage Originations
NMLS #740025
Office: 240-747-2471
Cell: 240-620-7839
jmedley@lfcu.org

Learn more about Jermaine and get pre-approved for your mortgage.

Start an Application
Schedule a Call or Meeting

*APR = Annual Percentage Rate. Your APR may vary. Rates subject to change. Must be eligible for membership. The rates provided are based on a variety of conditions which include consumer credit score which may be higher or lower than the individual score. Your loan’s interest rate will depend on the specific loan type and characteristics of your loan transaction and your credit history up to the time of closing. The interest rates are not a replacement for a Loan Estimate and all information presented is subject to change at any time. APR values for mortgage loans assume average closing costs associated with the transaction and may not include additional costs required by loan type (e.g., VA Funding Fee and Private Mortgage Insurance). Actual rates may be obtained by contacting a Lafayette Federal Credit Union Loan Officer. Adjustable rate mortgage products are based on Lafayette Federal’s Cost of Funds Index (COFI) or the Constant Maturity Treasury Rate (CMT). Must be eligible for membership and all borrowers must become a member prior to consummation. $50 minimum balance required to open and earn 0.10% APY** on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY** on Lafayette Federal checking account balances. **APY=Annual Percentage Yield. Rates are 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. Contact a Lafayette Federal representative for loan details and restrictions. NMLS #464425. ***Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you. NMLS 464425
HOME MORTGAGE DISCLOSURE ACT (HMDA) NOTICE: The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's websiteOpens in New Window.

Knowledge is power. Be in the know for financial betterment.

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    Simple terms, outstanding rate

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    New Online Banking & App

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    Shared Branches & ATMs

    Our members have access to Co-Op Network Shared Branches & ATMs for all basic transaction needs.

    Access branches and ATMs nationwide

(301) 929-7990

Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area, now serving DXC and CSRA employees. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions. We also work hard to provide top-notch customer service. Contact us to obtain a copy of our Annual Report.

Toll-Free
+1 (800) 888-6560

Lost Card?
Debit: +1 (888) 918-7802
Credit: +1 (800) 449-7728

Routing #: 254074811

Branch Locations

Maryland
Kensington, MD 20895
Potomac, MD 20854
Rockville, MD 20852

Virginia
Crystal City, VA 22202
McLean, VA 22101


Washington, DC
Pennsylvania Avenue, NW
3rd Street, SW
Kenyon Street, NW

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