Home Purchase

At LBS Financial, we’ve worked hard to earn your trust for over 80 years. Today, we’re just as committed to helping you find the right loan for your situation. Let us guide you through this process—contact an LBS Financial loan specialist to get started right away.

There are no prepayment penalties on any LBS Financial mortgage loan!
  • Fixed Rate Mortgages
    15, 20 and 30-year fixed mortgages* are available at LBS Financial, giving you stability throughout the term of your loan. Your payment won't change and the rates won't go up as long as you're locked into a fixed rate mortgage.
  • Adjustable Rate Mortgages (ARM)
    Lower initial rates are easier on the budget and may boost your buying power. More information.
  • Owner Occupied Second or Vacation Home
    Get a great rate on your vacation or second home (must occupy for 4 - 6 months per year). 15 and 30 year fixed loans available.
  • First Time Home Buyers Program
    Get a great loan with as little as 3% down! Median income limits and mortgage insurance are required. Call the Residential Lending Department at extension 5270 for more information.
  • Own Your Own Financing
    LBS Financial finances Own Your Own properties at a maximum loan-to-value of 75%. Loans are available for up to $300,000. Property must be owner-occupied and the primary residence. Adjustable Rate Mortgages only.
  • Affordable Adjustable Rate Mortgage – Another great mortgage option!
    Click here to learn more about our 5/5 Affordable Adjustable Rate Mortgage. This home loan is ideal for many Members and can save you up to hundreds of dollars per month compared to a 30 year fixed loan!
  • VA Loans
    VA Loans are guaranteed by the U.S. Department of Veterans Affairs and offer home financing for American veterans and their surviving spouses. One of the best benefits of a VA home loan is that there is no down payment! There are no monthly mortgage insurance premiums to pay (no PMI) and interest rates are low. 


Click here to view current rates!


*Payment Example: A loan at $388,000 for 30 years would have a monthly payment of $2,055.56 at a rate of 3.750% and the Annual Percentage Rate of 4.352%. Rates subject to change at any time.



Accepts Deposits: Yes

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