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.
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 HomeAdvantage
Take advantage of this exclusive, free member service that can help you search, buy, sell 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 HomeAdvantage Cash Rewards.
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
Unveiling Mortgage Scams: Safeguarding your investment.
Having your home or other property stolen out from under you may seem highly unlikely to most people, but mortgage-related scams and fraud have become more sophisticated recently mainly because so many real estate transactions now take place entirely online. Let’s be clear – it is possible to buy or sell a piece of property…Read more
HELOC Hacks: Secrets to leveraging your home’s equity.
One great benefit of being a homeowner is the access you have to equity. Equity in a home refers to the portion of your home’s value that you own free and clear. This simplified calculation can help you see how much equity you have in your property: Home Equity = Current Market Value of Your…Read more
Unlocking Your Home’s Equity: How a HELOC can boost your wealth.
If you’re a homeowner, your home may just be your most valuable asset. Your home can be a fruitful means to growing your wealth — the amount of time and care that you invest into it can reward you and your family for years to come. Fortunately, the amount of money you’ve paid towards your…Read more