Mortgage Services

LFCU Mortgage Products

Free Mortgage Pre Approval

  • Know what you can afford before looking

Mortgage Refinancing

  • Lower your current payments with a lower rate Mortgage

Home Equity Loans

  • Borrow up to 100% of your home's equity
  • 1 to 20-year terms available
  • Low Fixed Rate
  • Use towards other expenses
    • Financing Higher Education
    • Home Improvements
    • New Vehicle

5/1 ARM  |  5/5 ARM  |  7/1 ARM

  • Adjustable Rate Mortgage
  • Low, fixed interest rate for the first 5 or 7 years of your loan
  • Rate adjusts once a year or every 5 years thereafter
  • Rate adjustments caps of 2 percent annually and 5 percent over the life of the loan
  • Up to 100% financing available

10, 15, 20, or 30-year fixed Mortgages

  • Low Fixed Rate
  • Up to 100% Financing Available
  • Available for Purchases or Refinances

30-year Fixed VA  / FHA Mortgage

  • Guaranteed by a Federal Agency
  • VA Offered to qualify armed forces, active military personnel, veterans of their windows
  • Requires little or no money down

USDA Rural Mortgage

  • No down payment required, up to 100% financing available
  • Fixed Rate
  • Income and property restrictions may apply


What do I need to Apply for a Mortgage?

When applying for a Mortgage with LFCU you will need the following items:

Verification of income:

  • W-2's from the past two years
  • Copy of most recent paystub(s) covering the last 30 days
  • If self employed, have rental property, or are commissioned, you will need to submit a signed copy of your last two years of Federal Income Tax Returns with all schedules attached.

Verification of assets:

  • Any assets (bank accounts, investment accounts, and/or retirement accounts) not currently with Lebanon FCU will need to be verified (shows proof of down money or reserves). Two months of account statements will be required.

Contact Us

Steps to take


Call LFCU at 717.272.2210 x 652 today to set up an appointment to meet with one of LFCU's Mortgage Specialists.


Meet with one of LFCU's Mortgage specialists before you start your home buying search. This will allow you to get a better idea of how much you are able to afford and also the types of financing available. Ask about LFCU's Free Mortgage Pre-Approval. During this meeting, you will learn about down payments, closing costs, and other information needed when applying for a Mortgage.


Once you've been pre-approved, and found the dream home that fits into your budget, LFCU will help you through all the next steps needed to complete the loan all the way through to the settlement process.

NEW Mortgage Rate Protection Service

All LFCU Mortgage Rates can be locked for up to 6 Months from the date of Rate Lock as part of our No Hassle Mortgage Rate Protection Service. Rate Lock requires a submitted mortgage application (includes pre-approvals). No fee or charge for the Rate Protection Service. If Rates decrease during the 6 Month Rate Protector time period, members are allowed up to 3 FREE rate lock decreases. Member must contact credit union / First Heritage to request the rate reduction. Subsequent rate lock adjustments cost $150 per rate lock decrease.


Fixed Rate Mortgage Term  1Rates as low as
10 Year 3.125% APR
15 Year 3.250% APR
20 Year 3500% APR
30 Year 3.625% APR


Adjustable Rate Mortgage 5/1 ARM 3.500% APR
5/5 ARM 3.625% APR
7/1 ARM 3.875% APR
** Special 0.25% Discount for Military & First Responder's on Fixed Rate Mortgages


**First Responder Discount (Police, Fire, EMT) 0.25%

**Military Discount (Active Duty, Reserve, Guard, Veteran) **First Responder Discount (Police, Fire, EMT)
Can not combine Military and First Responder Discount. Must have been honorably discharged. First Responders must be currently employed in their profession.

1Rates are based on an evaluation of credit history, loan-to-value, loan term, and other potential factors, so your rate may differ. Rates subject to change at any time.
Mortgages over 80% LTV will require PMI Insurance with exception of the First Time Home Buyers Program.


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Learn More about Mortgages & Home Ownership: Try our interactive Learning Modules


If you have any loan questions, please contact us during normal business hours.

By email:

By phone: 717-272-2210 option 3 for the Loan Department