Move or improve your home

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Family with realtor

Done with renting and eager to buy your first home? Expanding your family and feeling a little crowded? Ready to downsize now that your nest is empty? Whatever the reason, you need a change of space.

When it’s time to move, LGFCU has the products to make your move a smooth one.

First-Time Homebuyers Loan

A first-time home purchase doesn't have to be riddled with rookie mistakes. Team up with LGFCU for professional guidance and cost-saving tips.

See our First-Time Buyer Rates

Adjustable Rate Mortgage

If you're planning to stay in your home for less than 10 years, an Adjustable Rate Mortgage (ARM) may be your best option when it comes to financing it.

See our ARM Rates

Fixed-Rate Mortgage

Predictability has its perks. With our affordable Fixed-Rate Mortgage Loan, your rates and payments remain steady, making budgeting easier.

See our Fixed Rates

Man working on flooring

Do you adore your neighborhood, but wish you had more space or modern amenities? Does your kitchen look like a Throwback Thursday photo? Have dreams of turning that junk-filled garage into an epic man cave?

If you want to stay put, but need some money to make improvements, LGFCU has the financial tools you need.

Home Equity Line of Credit

A Home Equity Line of Credit, or HELOC, lets you tap into the value you've built up in your home. Even if your mortgage is not with LGFCU, you may still be eligible for an LGFCU HELOC. Learn how the value in your home can help you find cash to fix up your castle.

See our HELOC rates


Refinancing can be an easy way to put money back in your pocket — whether your mortgage is with us or another lender. By securing a lower rate through refinancing, you could reduce your monthly payment and put your newfound savings toward any number of home improvements.

Get details

Visit your nearest branch or call 888.732.8562 to determine if refinancing your mortgage or opening a HELOC is best for you. Your calls to the Credit Union may be recorded for quality assurance. Consult a tax professional about the tax implications of refinancing or opening a HELOC. LGFCU Mortgages are subject to approval and are available only in North Carolina, South Carolina, Virginia, Georgia and Tennessee. HELOCs are subject to approval and are available only in North Carolina, South Carolina, Virginia and Georgia.

Talk to your financial advisor or tax professional about the tax implications of refinancing, or to help you decide if a HELOC is the best way to cover the cost of a home renovation project.