Skip to content

MORTGAGES

You deserve a place to call home

  1. Find the home loan that works for your plans and budget
  2. Pay off your mortgage faster with a great, low rate
  3. Work one-on-one with our team every step of the way

Refinance for a better rate

Do you already have a mortgage but are looking to lower your payment or pay it off faster? Let’s talk about refinancing.

  • Lock in a lower rate
  • Change your repayment term
  • Lower monthly payments

FROM OUR COMMUNITY

“Great bank… very helpful. Sage, one of the representatives, helped me with an application process for a new home and it was a great experience… never been to a better bank.”

Dennis D.

Your money does good

  • Affordable Housing

    We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

  • Volunteering

    Our employees are given paid time off to volunteer for community programs of their choice.

  • Local Organizations

    We partner with organizations that help to enrich and nourish the lives of our neighbors.

  • Food Access

    We fund programs that help fight food insecurity across our communities.

Bank from your
phone anytime

Bank on the go with our mobile app, and keep it all on track.

  • Access all of your Lighthouse accounts
  • Make easy, secure loan payments
  • Mobile deposit your checks*
Loan TypeRate TypeInterest RatePointsAPR
15-Year Fixed (Conventional)Fixed6.250%2.006.916%
15-Year Fixed (Conventional)Fixed6.375%1.006.879%
15-Year Fixed (Conventional)Fixed6.500%0.006.842%
30-Year Fixed (Conventional)Fixed6.750%2.007.169%
30-Year Fixed (Conventional)Fixed6.875%1.007.194%
30-Year Fixed (Conventional)Fixed7.000%0.007.219%
20-Year Fixed (Conventional)Fixed6.625%2.007.169%
20-Year Fixed (Conventional)Fixed6.750%1.007.162%
20-Year Fixed (Conventional)Fixed6.875%0.007.157%
30-Year Fixed Home 97Fixed6.750%2.007.169%
30-Year Fixed Home 97Fixed6.875%1.007.194%
30-Year Fixed Home 97Fixed7.000%0.007.219%
30-Year Fixed Home 100Fixed6.750%2.007.169%
30-Year Fixed Home 100Fixed6.875%1.007.194%
30-Year Fixed Home 100Fixed7.000%0.007.219%
15-Year Fixed JumboFixed6.250%2.006.690%
15-Year Fixed JumboFixed6.375%1.006.655%
15-Year Fixed JumboFixed6.500%0.006.621%
30-Year Fixed JumboFixed6.750%2.007.028%
30-Year Fixed JumboFixed6.875%1.007.054%
30-Year Fixed JumboFixed7.000%0.007.080%
3/1 Year ARM (Conforming)Variable6.000%2.007.387%
3/1 Year ARM (Conforming)Variable6.125%1.007.329%
3/1 Year ARM (Conforming)Variable6.250%0.007.271%
5/1 Year ARM (Conforming)Variable6.125%2.007.257%
5/1 Year ARM (Conforming)Variable6.250%1.007.216%
5/1 Year ARM (Conforming)Variable6.375%0.007.175%
Home 97 5/1 Year ARMVariable6.125%2.007.257%
Home 97 5/1 Year ARMVariable6.250%1.007.216%
Home 97 5/1 Year ARMVariable6.375%0.007.175%
7/1 Year ARM (Conforming)Variable6.250%2.007.133%
7/1 Year ARM (Conforming)Variable6.375%1.007.099%
7/1 Year ARM (Conforming)Variable6.500%0.007.066%
10/1 Year ARM (Conforming)Variable6.375%2.007.072%
10/1 Year ARM (Conforming)Variable6.500%1.007.057%
10/1 Year ARM (Conforming)Variable6.625%0.007.042%
Home 100 10/1 Year ARMVariable6.375%2.007.072%
Home 100 10/1 Year ARMVariable6.500%1.007.057%
Home 100 10/1 Year ARMVariable6.625%0.007.042%
Home 100 7/1 Year ARMVariable6.250%2.007.133%
Home 100 7/1 Year ARMVariable6.375%1.007.099%
Home 100 7/1 Year ARMVariable6.500%0.007.066%
Home 97 10/1 Year ARMVariable6.375%2.007.072%
Home 97 10/1 Year ARMVariable6.500%1.007.057%
Home 97 10/1 Year ARMVariable6.625%0.007.042%
Home 97 7/1 Year ARMVariable6.250%2.007.133%
Home 97 7/1 Year ARMVariable6.375%1.007.099%
Home 97 7/1 Year ARMVariable6.500%0.007.066%
HLPR (3/1 Year ARM)Variable5.625%0.006.704%
1/1 Arm Land LoanVariable10.250%0.0010.687%

Effective date: November 06, 2024

General Mortgage Disclosure

Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts and based on credit score. Rates are subject to change without notice.

Annual Percentage Rate (APR) is accurate as of the date shown above. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Rates shown are for informational purposes only. No rate is guaranteed. Certain rate and/point adjustments may apply depending on loan features and borrower’s credit worthiness. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and Flood Insurance may be required. Other fees may be assessed, as applicable. Closing costs may apply. All mortgages are subject to credit approval.

All rates, terms and conditions are subject to change daily and without notice. They can only be guaranteed by our Mortgage Department. For more information, please call a Mortgage Specialist at 888-436-1847.

Fixed Rate Mortgage Disclosure

All rates assume 80% financing with a 20% down payment. For a 1-4 family owner occupied residence, condo, or mobile home on its own land; and one-unit second homes. Loan approval is based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate.

Please refer as well, to the general disclosure found in the section above.

ARM Disclosure

3/1, 5/1, 7/1 & 10/1 Adjustable Rate Mortgage (ARM)
Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3 percentage points. Caps are 2% annual and 6% lifetime.

The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3 percentage points. Caps are 2% annual and 6% lifetime.

The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 3 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 3 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

For 1 – 4 family owner-occupied residence, condo or mobile home on its own land; and one-unit second homes.

***HLPR 3/1 Adjustable Rate Mortgage (ARM)

Home-buyers at or below the median income levels with exceptions for underserved areas. Escrows for Real Estate Taxes and Insurance is required. Minimum of one consumer credit counseling consultation required to underscore member’s financial preparedness. Renewal rate (4th year) based upon one-year Treasury constant maturity, plus a margin added of 2.75%. This is subject 1% maximum annual cap and a 5% lifetime cap from the original rate at inception of the loan. The initial 3-year rate will be set weekly by Lighthouse Federal Credit Union, reflecting a discount from the national average of 3/1 ARM programs. Property Insurance is required and flood insurance may be required. Closing costs may apply if the loan is paid off within the first three years of consummation. Certain restrictions do apply. For a 1-2 family owner-occupied residence, condo, or mobile home on its own land. For purchases only.

1/1 Land Loan (ARM)

The 1/1 Land Loan ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S Treasury, plus a margin of 6 percentage Points. Caps are 2% annual and 6% lifetime.

Financial Calculators

Banking is better for our members with fair rates, affordable loans, and promising financial futures. And money can do more when put back into projects for affordable housing and helping those that need a hand up.

Start making an impact today

Put your money to work, and see the benefits in your accounts and the world around you.