We are your mortgage experts.

Liberty Federal Credit Union offers an extensive selection of mortgage products designed to better meet your needs. Our experienced team excels at helping you find the best option, along with fast, responsive service from pre-approval through closing.

 

ratematch

RATE MATCH GUARANTEE

We are committed to offering your lowest rate. If you find a lower rate, we’ll match it.1

extracredit

EXTRA CREDIT DISCOUNT

Pair your mortgage loan with your Liberty checking account and debit card and receive a 1/8% APR interest rate discount.

purchaseplus

PURCHASE PLUS

Receive up to a $500 gift card to spend anywhere on closing of your purchase or construction loan.3

 

We offer programs to suit your housing budget

Purchase

Liberty FCU offers first-time homebuyer programs, low down-payment options, and a no-PMI product.

Build

Looking to build a new home? Don’t miss the exclusive benefits of a Liberty FCU construction loan.

Refinance

Refinancing is an effective way to reduce interest rates or assist homeowners who need to raise funds through their home equity.

What our members are saying

"The credit union helped me find the right program, a great rate, and they were very helpful and informative every step of the way. I was amazed by how quick and easy they made the entire process. The $500 gift card at closing was also a nice addition to an overall wonderful home financing experience."

Jeff Warren, Evansville

"When my husband and I first started thinking about building a home, we spoke to friends who had been through the process. We learned that you definitely want to choose the right partner. Liberty FCU has a fantastic construction program, particularly with the one-time close feature. They really made the process easy for us. It was a great experience."

Tammy Wittenbraker, Newburgh

“I wanted to thank you for the outstanding job you did on getting my loan approved and closed. It was truly the best banking experience I have ever had! This loan has made our lives easier financially and given us the ability to provide the things my wife and I want for our family.”

Jason Melton, Evansville

"We switched our accounts to Liberty FCU a few months ago, but have quickly done a lot of business with you. We got a mortgage on a new home we bought with a bridge loan—which allowed us to buy the new home without first selling our current home. Our mortgage officer has gone above and beyond several times. Your company's customer service—and products and services in general—have been amazing!"

Abbey D., Evansville

Contact us for a free consultation

Our mortgage experts excel at finding the best option for each member’s needs. Contact us or apply today!

BETTER PROGRAMS. GUARANTEED SAVINGS.

Simply apply online today to get started.

APPLY NOW

Click here for a list of our employees registered through the Nationwide Mortgage Licensing System (NMLS) as of June 7, 2022 2:15 pm CDT.

Rates accurate as of November 25, 2022 and are subject to change daily. All mortgage rates include Extra Credit Discount. Loans are subject to credit review and approval. Closing costs may apply. A sample principal and interest payment on a (30)-year $150,000 fixed rate loan amount with a 4.250% interest rate (4.317% APR) is $737.91. Product offerings may vary by state or region. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Visit LibertyFCU.org/mortgagecalculator to calculate payments with other terms, balances, or rates. Liberty FCU mortgage lending product availability may vary based on property location.

2Rate Match Guarantee available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Offer valid only for lenders compared in a physical location within 50 miles of any Liberty FCU office. Loan Estimate from competing lender must be dated and received within three calendar days prior to locking your interest rate at Liberty FCU. The terms of the competing loan must be identical to Liberty FCU’s loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Rate includes Extra Credit Mortgage discount. Contact a Liberty FCU mortgage loan officer for further details.

3Discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at Liberty FCU when refinanced with at least $10,000 new money. Closing costs may apply. Liberty FCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact a Liberty FCU mortgage loan officer for further details.

4Gift card offer is available on financing of purchase or construction loans for primary residences only. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. Not valid in combination with any other offer.

SmartMove Mortgage is subject to credit approval. No closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to- value. Standard closing costs apply to existing Liberty FCU mortgages refinanced within the last 12 months. Additional costs may apply if escrow and /or title insurance are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. Rates and conditions are effective as of 6/23/2016 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.290% with no closing costs would be $702.75 per month and a 3.250% APR. The rate cannot be locked until application approval. Property insurance required. Other restriction may apply. Equal Housing Lender.