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Library of Congress Federal Credit Union: Better BANKING for Less.

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Real Estate

"Just wanted to let you know I opened a LCFCU account in response to the 2008 financial meltdown and Capital One's subsequent takeover of Chevy Chase Bank. Now Capital One has taken over ING Direct where I had $18,000 in savings. You will also be getting this money very shortly. What's in my wallet? My local LCFCU I'm proud to say!"

D.M., Member Since October 2011

Real Estate Loans

Low Rates, Great Terms and Fast, Easy Application Process

LCFCU offers a high combined total of real estate loans up to $750,000 including first or second trusts and home equity loans and lines of credit. We offer:


1st, 2nd Mortgages & Home Equity Loans & Lines of Credit APPROVED Near You. Find out more, contact us today 202-707-5852.


First Mortgages

First Mortgage Loan Inquiry

  • Fixed rate terms of 15 to 30 years
  • Refinance and cash out options available
  • High loan-to-value (LTV) mortgages, up to 95 percent with approved PMI, and a combined real estate loan(s) maximum of $750,000
  • Conventional and jumbo loan amounts
  • Below-market fees for processing, underwriting and closing
  • Primary, secondary, vacation and retirement properties
  • Mortgages available in a multi-state area - Just Ask!
  • Loan prequalification shows sellers you're a serious buyer
  • First time home buyer program with low down payment

Choose From Fixed and Variable Rate Mortgages with Flexible Terms

First Mortgage Loan Inquiry

Whether you're shopping for your primary home, a second home, or a vacation or retirement property LCFCU has the low rates you need with a supportive, easy application process.

  • Variable-rate first mortgages with advantageous rate protection of three-year adjustment periods (with a two percent periodic adjustment cap totaling six percent)
  • Refinance and cash out options
  • "No points" loans for up-front savings or "buy-down" loan rates for long-term economy
  • Closing costs can be rolled into your mortgage on refinances to minimize out-of-pocket costs
  • Option of automatic monthly payments through payroll deduction and direct deposit
  • Below-market fees for processing, underwriting and closing
  • No points and no prepayment penalties
  • Can do simultaneous closings on first and second trust mortgages
  • First-time buyer programs with low down payments

Home Equity/Second Trust Loans

Apply Now

Home equity/second trust loans are ideal for large one-time expenses such as medical bills, taxes, vehicles and home improvements. These loans offer excellent rates and terms and low upfront costs:

  • No points
  • No application fee
  • Fixed rates
  • Terms up to 15 years
  • Borrow up to 90% of the appraised value less the first trust - LCFCU offers up to $750,000 in combined real estate loans
  • No prepayment penalties
  • Credit life and credit disability insurance available

Home Equity Line of Credit (HELOC)

Home Equity - contact us today

Apply Now

LCFCU's Home Equity line-of-credit is your economical and totally convenient option for funding large and recurring expenses like home improvements, education, investments, vacation or retirement homes, and other major expenses. Interest is generally tax deductible too (be sure to check with your tax consultant for advice about your specific situation). LCFCU offers up to a $750,000 total balance in combined real estate loans including first and second trusts and home equity loans.

Three revolving HELOC plans to choose from:

  • Up to 80% of value for limits exceeding $100,000
  • Up to 90% of value for limits up to $100,000
  • Up to 100% of value not to exceed $50,000

HELOC Loan Benefits:

  • No closing points
  • Interest-only payment options for up to 10 years
  • Below-market fees for processing, underwriting and closing
  • 10-year draw period with up to 15-year repayment period at expiration of the draw
  • Variable rate tied to prime rate
  • LCFCU staff guides you through the loan process
  • Access to advances at more than 5,600 branches nationwide
  • Get advances by check, phone or the teller line
  • Advance transfers to checking so you can write yourself a loan
  • No large balloon payments at the end of the loan; stable monthly principal and interest payments
  • No prepayment penalties
  • Line-of-credit loans available on properties in multi-state area - Just Ask!
  • Closing costs will be repaid to LCFCU only if a HOME Equity Line of Credit loan balance goes below $10,000 within 24 months of initial disbursement
  • Payroll deduction option simplifies payments
  • Free 25-Pak of personalized LCFCU designer checks
  • Credit life and credit disability insurance available

SMARTMOVE® Real Estate Cash Rebates

Members buying homes are eligible for Smart Move cash rebates when using a participating realtor. We've teamed up with Real Estate, Inc.'s SMARTMOVE® to offer our home buyers a free program that combines professional real estate services with cash rebates.

  • Work with a realtor specifically trained for your area
  • Get cash rebates when you buy or sell real estate through SmartMove
  • Call SmartMove at (800) 645-6560 or (703) 359-1831 to get program guidelines and more details or go to the SmartMove website


  • check out our RATES
  • apply for a LOAN
  • find convenient ATMs & BRANCHES
  • words from our MEMBERS
  • member SECURITY education


Library of Congress Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 202.707.5852 or 1.800.32.LCFCU (52328). All products and services available on this website are available at all Library of Congress Federal Credit Union branches.