Build, buy or remodel:
LGFCU home loans

No matter which direction you want to go — new home, first home, refinance, vacation home — LGFCU has mortgages* with no private mortgage insurance (PMI) required, exclusively for you.

Discover the right mortgage loan for you!

Refinance a home loan with us

You may be able to use any LGFCU mortgage loan to refinance* your home.

Why a refi?

  • May get a lower interest rate on your current mortgage loan.
  • May get a lower monthly mortgage payment.
  • LGFCU mortgage options include cash-out refinancing up to 90% LTV for primary and vacation homes or up to 65% for a rental property.

Home Equity Line of Credit (HELOC)* - This may be an option if you need funds to make upgrades to your current home. Plus, a HELOC is an affordable solution if you need to consolidate debt.

Ready to apply for a home loan online?
Log in to Member Connect and select the Services tab.


Or if you prefer, call us at 888.732.8562 or visit a branch near you.

* Subject to approval.

We want the home loan pre-qualification process to be simple. This checklist includes information you generally need when applying for a loan, and is not all-inclusive.

  • Social Security Number(s)
  • Borrower(s)’ Date(s) of Birth
  • Gross Monthly Income
  • Employer(s)
  • Job Title(s)
  • Years of Employment
  • Rental Payment or Housing Payment
  • Number of Dependent(s)
  • Alimony/Child Support Obligations
  • Income Verification (e.g., recent pay stubs, signed personal tax returns and/or award letters)
  • Insurance Information (Declarations Page / Agent’s name and phone number)
  • Recent Billing Statement (If request is a refinance transaction)
  • List of Assets

This additional documentation may be requested at the time of application.