Move or Improve
homeowner moving, contractor renovating house

Time to move?

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.

Prefer to improve?

Do you adore your neighborhood, but wish you had more space or modern amenities? Does your kitchen look like it's part of a time capsule? 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 equity 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 equity in your home can help you find cash to fix up your castle. See our HELOC rates.

  • Refinancing

    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. Check out our Mortgage rates to get details.

Ready to apply for a mortgage loan or refinance?

Choose "Apply" to log
in to Member Connect.

Select the Loan Center tab.

Choose Mortgage Center

Applying for a Home Equity Line of Credit?

Choose "Apply" to log
in to Member Connect.

Select the Loan Center tab.

Choose Home Equity

Apply

Mortgages and refinancing are subject to approval and are available for properties located in NC, SC, GA, TN or VA. Greater than 90% loan-to-value limited to maximum financing of $500.000. Members must reside in NC or bordering states to be eligible.

Home Equity Line of Credit (HELOC) is subject to approval. HELOCs are available for properties located in NC, SC, GA and VA and are not available for manufactured homes. Members must reside in NC or bordering states to be eligible.

Visit your nearest branch or call 888.732.8562 to determine if refinancing your mortgage or opening a HELOC is best for you. When calling, please note that Lending Services hours of operation are 8 a.m. to 9 p.m., Eastern. Calls may be recorded.

Consult a tax professional about the tax implications of refinancing or opening a HELOC.