Fixed-Rate Mortgages

LGFCU has many ways to own a home at great low, fixed rates. Most refinanced mortgages may be closed in your local branch with reduced closing costs. Best of all, we don't require private mortgage insurance (PMI).

Fixed-Rate Loan features

  • Fixed principal and interest payment for the life of the loan.
  • Terms of 10 and 15 years are available.
  • 100% financing available for purchases and no cash out refinances of primary residences. Total purchase price or refinance amount cannot exceed $400,000.
  • 90% financing available for purchases or refinances of primary residences. Total purchase price or refinance amount can exceed $400,000 if sufficient down payment is available.
  • Origination fee .75 percent of the loan amount (cap of $1,500).
  • Appraisals cost $300.
  • Vacation homes and rental properties are eligible.
  • Property must be located in NC, SC, VA, GA or TN.
  • Monthly and biweekly repayment options available.
  • Rate subject to change daily.
  • Application rate may be reserved for 60 days.

View Mortgage Rate Sheet (PDF)

Enjoy the comfort of a fixed monthly payment!

  • Call the Contact Center at 888.732.8562 or
  • Visit your local branch
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