Real Estate Loans
Buying your first home, a second home or vacation property doesn’t have to be complicated. As an LAFCU member, you’ll find several mortgage solutions at some of the lowest home loan interest rates available in the market. Choose from first trust deed, second trust deed with fixed terms and adjustable rate options. Ask about our flexible financing and free 45-day rate lock.
Conforming Fixed Rate Owner Occupied Programs
| Name | Rate |
|---|---|
| 30 year Fixed | 6.625% |
| 15 year Fixed | 6.000% |
| 10 year Fixed | 5.625% |
Conforming Arm Owner Occupied Programs
| Name | Rate |
|---|---|
| 10/1 ARM | 5.750% |
| 7/1 ARM | 5.625% |
| 5/1 ARM | 5.375% |
| 3/1 ARM | 4.875% |
Super Conforming Fixed Rate
| Name | Rate |
|---|---|
| 30 year Fixed Super | 6.875% |
| 15 year Fixed Super | 6.125% |
Super Conforming Arm Owner Occupied Loan Programs
| Name | Rate |
|---|---|
| 10/1 ARM Super | 5.875% |
| 7/1 ARM Super | 5.750% |
| 5/1 ARM Super- | 5.500% |
| 3/1 ARM | 5.000% |
Investment Conforming Loan Programs
| Name | Rate |
|---|---|
| 15 year Fixed | 7.000% |
| 10 year Fixed | 6.875% |
Invest Super Conforming Loan Programs
| Name | Rate |
|---|---|
| 15 year Fixed Super | 7.125% |
| 10 year Fixed Super | 7.000% |
2nd Trust Deed Fixed Loan Programs
| Name | Rate |
|---|---|
| 5 year | as low as 6.125% |
| 7 year | as low as 6.375% |
| 10 year | as low as 6.625% |
| 15 year | as low as 6.875% |
Disclaimer:
Conforming Loan Limit is up to $766,550. Maximum Loan to Value is 80%. Rates above are based on Primary Single-Family Residence, Purchase, or Refinance (No cash out) with a FICO score of 620 and above. For a Refinance with Cash-out add .125% to the rate. For a Purchase or Refinance of a Condo/PUD add .125% to the rate. Rates and/or fees are subject to change at any time until you apply for a loan and "lock-in" a rate.
Refinance Your Home Mortgage
LAFCU offers some of the lowest home mortgage refinance rates you’ll find. We can help you lower your monthly payment, potentially saving you hundreds of dollars over the life of the loan.
Draw Equity (HELOC)
Borrow against your home’s equity with LAFCU’s Home Equity Line Of Credit (HELOC) with a credit line from $5,000 to $500,000 at 8.99% APR* variable. Draw up to 80% of your home’s appraised value, minus liens, and easily access funds with paper “convenience” checks or from your online/mobile banking account.
* APR = Annual Percentage Rate. The rate is variable and can adjust semi-annually.
S.A.F.E. Act Requirement
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) mandates a federal registry for credit unions and their employees who are "mortgage loan originators" with the following Nationwide Mortgage Licensing System & Registry (NMLS). See more information concerning the federal registry.
The Los Angeles Federal Credit Union NMLS# is 440742.
Employee and NMLS#
- Ofelia Arzoumanian … 462813
- Chan Chau … 1503051
- Maria Dominguez … 462809
- Ricky Jaranilla … 1990429
- Rosie Juarez... 2174435
- Treniece Lewis… 2487862
- Taylar Long... 2351230
- Juan Magallanes...1744770
- Rachel Mathevosian …1438519
- Alejandro Quintanilla … 462807
- Martha Ramirez … 462810
- Graciela Sanchez ... 1166424
- Craig Stalnaker … 462814
Online Mortgage Calculators
Want to buy a home but not sure how much mortgage you qualify for? Do you want to refinance your home mortgage and learn how much you’ll save in payments? Our online calculators can help you make sound financing decisions.
