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.
to lower your monthly payment
Up to 100% Financing
means less upfront funding needed
Loans to $750,000
to increase your home affordability
Combined Loan-to-Value (LTV) ratios to 105%
to allow for Grant Program funds
from our experience mortgage professionals
Primary residence eligbility
make your house a home
Private Mortgage Insurance
required for loans 90% LTV or greater
Credit Union Difference
we care for you like you care for others
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.
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.
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
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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 Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 2.04% APY on LFCU checking account balances up to $25,000 and 0.025% APY on checking balances over $25,000. Please visit LFCU.ORG/2For22 for full checking account requirements. Rates current as of March 1, 2023 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.