Mortgage Services -

Mortgage Services

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.

First:

Call LFCU at 717-272-2210 x 652 today to set up an appointment to meet with one of LFCU's Mortgage Specialists.

Second:

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.

Third:

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.

Apply Online

Apply online today!

Click on Apply Now!
You will click then the green redirect button
This will take you to the LFCU mortgage apps page
Click on "Let's Get Started!
Then follow the prompts to start application

One of LFCU's Loan Officers will then follow up within one business day.

Mortgage Rates

Fixed Rate Mortgage

Term

15 Year
20 Year
30 Year

Please select "Check Current Rates" below for our low mortgage rates!

Adjustable Rate Mortgage

Term

5/1 ARM
5/5 ARM
7/1 ARM

¹Rates as low as

3.250% APR
3.375% APR
3.500% APR

Home Equity Loans

Things You Need to Know About the Mortgage Process

What to Expect: Steps In The Mortgage Process

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

**Military Discount (Active Duty, Reserve, Guard, Veteran) 0.25% **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.

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

By email: lending@lebanonfcu.org

By phone: 717-272-2210 ext. 652 for the Loan Department