{"id":34,"date":"2022-11-11T12:20:06","date_gmt":"2022-11-11T12:20:06","guid":{"rendered":""},"modified":"2026-08-20T16:03:32","modified_gmt":"2026-08-20T16:03:32","slug":"mortgage-refinancing","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/home\/mortgage-refinancing\/","title":{"rendered":"Mortgage & Refinancing"},"content":{"rendered":"\n

Your Home Tells a Story<\/strong><\/h2>\n\n\n\n
Our home loan options are designed to meet your needs.<\/p>\n\n\n\n
Become a Homeowner<\/h2>\n\n\n\n
Getting started on your dream of home ownership is easy with Library of Congress FCU. Our team will help you find the perfect loan for your new home. Once you\u2019re done with the pre-qualification, you can start house shopping. <\/p>\n\n\n\n
With a home loan from Library of Congress FCU, you\u2019ll discover low down payment options, terms of 15 or 30 years, competitive fixed or variable rates (call for daily rates and terms)<\/em>, and more.<\/p>\n\n\n\n
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First-time homebuyer program<\/li>\n\n\n\n
Conventional, jumbo, and adjustable rate mortgages (ARMs)<\/li>\n\n\n\n
No points or prepayment penalties and below-market fees<\/li>\n\n\n\n
Borrow up to 90% of the value of the home – No PMI required<\/li>\n\n\n\n
Borrow up to 95% of the value of the home with approved PMI<\/li>\n\n\n\n
Available on homes in a multi-state area<\/li>\n<\/ul>\n\n\n\n
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Fixed-Rate vs. Adjustable-Rate Mortgages<\/h2>\n\n\n\n
Learn the differences and what works best for you?<\/strong><\/p>\n\n\n\n\n