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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.

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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.

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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.

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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.

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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.

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!

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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.

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Apply for a Loan

Conveniently complete your mortgage application online with the help of one of our Mortgage Loan Officers.

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Provide Supporting Documents

Gather all the documentation needed including tax documents, income statements, and more so we can successfully process your application.

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Get pre-approved

Once you’re pre-approved, you’re halfway there! We’ll confirm how much home you can afford.

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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.

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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!

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Close on your home

Congratulations! It’s closing time and it’s time to open the door to your new home.

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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.

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Earn thousands in Cash Rewards with Lafayette Federal’s HomeAdvantage.

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

Start Earning

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!

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.

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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…

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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…

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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…

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Equal Housing Lender. NMLS#: 464425

Equal Housing Lender