• First mortgage up to $766,550
  • 15 year, 20 year, 25 year, and 30 year Conforming Fixed Rate
• Second mortgage options also available
  • Fixed (Balloon Note) Rate tied to Prime
• Qualifications
  • 90% Total Loan-to-Value Available
  • 43% Maximum Debt-to-Income
  • 680 Minimum Credit Score

Liberty FCU is proud to offer government mortgage product financing, including FHA, USDA, and VA. Our team is here to help your clients understand the various options available to find the best program for their needs. Contact any Liberty FCU mortgage loan originator or visit us online to learn more.

• Available to teachers, nurses, first-responders and other community heroes*
• 100% Financing
• Fixed rate terms of 15, 20, and 30 years available
• Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

• At least one borrower must be a first-time homebuyer
• Requires a low down payment of 3%
• 30-year fixed rate
• Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

• Finance up to 95% of appraisal value subject to the home improvements
• For loan amounts up to $726,200 or less¹
• Primary residence and 1-unit single family dwellings only
• Renovation must be completed by a licensed general contractor ²

Want to remodel your kitchen or add a bathroom? Our Liberty FCU renovation loan would be perfect for you to accomplish all your fixer-upper needs!
*Restrictions apply. See page for full details.

• No Private Mortgage Insurance (PMI)
• Convenient one-time closing
• 95% financing for $970,801 to $1,500,000 loan amounts
• 90% financing for $1,500,001 to $2,000,000 loan amounts
• Required Credentials: MD, DO, DDS, DMD, OD, DP, or DPM

The rate is locked from the beginning which guarantees you a low rate for the life of the loan

*Restrictions apply. See page for full details.

• Requires only 3% down payment
• Down payment can be a gift from a relative
• Do not have to be a first-time homebuyer
• Receive up to a $500 gift card at closing*

Our Fannie Mae Home Ready program makes committing to purchasing a home easier. It gives homeowners the stability and peace of mind by providing predictable mortgage payments over the life of the loan.

*Restrictions apply. See page for full details.

• Available for purchase, no cash-out refinance, and construction loans
• Minimum 20% down payment or equity is required
• Fixed rate terms of 10, 15, and 20 years available
• Adjustable-rate mortgage (ARM) options of 3/6, 5/6, 7/6, and 10/6 available
• Receive up to a $500 gift card at closing*

Our Pole Barn Home loan program is designed specifically with the needs of you, the homebuyer, in mind.

*Restrictions apply. See page for full details.

• Your loan’s initial interest rate will be 2% lower than your permanent rate for the first 12 months.
• After the first 12 months of your mortgage, your rate will adjust to 1% below your loan’s permanent rate.
• When your buydown period ends, your loan’s rate will revert to the original, permanent rate from the third year onwards.

Enjoy lower interest rates for up to two years on your new loan

• Guaranteed low rate
• Fixed-rate terms from 10- to 30-years
• Points and no-point options available
• Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.

*Restrictions apply. See page for full details.

• Several options available including 3/6, 5/6, 7/6, and 10/6 ARMs
• Offers a lower initial rate than a fixed rate mortgage
• Fixed interest rate for an initial period, then can adjust bi-annually thereafter
• Receive up to a $500 gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*Restrictions apply. See page for full details.

• Convenient one-time close can save you thousands
• Down payment as low as 5% up to $970,800 loan amount
• 12-month construction period
• Terms up to 30 years
• Jumbo loan financing available
• Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

Liberty FCU offers programs to help you lower your payment, shorten your term, or both, including:

• Fixed-rate options from 10- to 30-years
• Multiple ARM options with locked initial terms ranging from 3- to 10-years
• Our popular, no closing cost SmartMove Mortgage
• Plus many more!

• Fixed-rate 10- and 15-year first mortgage options
• Second mortgage options also available
• 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

• No annual fee or prepayment penalty
• $15,000 up to $250,000 revolving credit line
• Rates can adjust
• Home equity lines of credit up to 90% Total Loan To Value (TLTV)

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

• Purchase up to 10 acres
• Available for 10 or 15 year fixed rate terms
• Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

• Financing up to 90% of the appraised value
• Interest-only monthly payments
• 9-month term
• Low closing costs

Use your home’s equity as a down payment on your new purchase.

• Down payments as low as 10%
• Available for purchase or refinance
• No closing cost refinance available

Liberty FCU offers programs to help you purchase or refinance your condo.

• No PMI—providing you huge monthly savings
• Down payments as low as 10%
• A second mortgage will cover 10% of the purchase price
• Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

• No construction financing needed
• Rates can be locked up to 8 months*
• One-time rate drop option if market rates decrease*
• Jumbo loan financing available
• Receive up to a $500 gift card at closing*

Let the builder of your choice design your perfect home, and Liberty FCU will take care of your end financing needs.
*Restrictions apply. See page for full details.

• Requires only 3% down payment
• $2,500 down payment credit may be available*
• No reserves required
• Receive up to a $500 gift card at closing*

This mortgage program is a great option if you don’t have a large income.
*Restrictions apply. See page for full details.

• Down payment of only 3%
• Lower closing costs than an FHA loan—potentially saving you thousands
• Available in multiple term options
• Receive up to a $500 gift card at closing*

Lack a large down payment? Liberty FCU’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*Restrictions apply. See page for full details.

• Offers $20,000 in grant assistance to qualifying low- to middle-income buyers
• Must be a first-time homebuyer
• Requires a five-year retention agreement

Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271.

• No Private Mortgage Insurance (PMI)
• 100% financing up to $970,800 loan amount
• 90% financing for $1,500,001 to $2,000,000 loan amounts
• Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

• For loan amounts exceeding the conforming loan limit of $726,200
• Purchase and refinance options
• Receive up to a $500 gift card at closing*

Liberty FCU’s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

• Down payments as low as 3.5%
• More lenient requirements for income and credit history
• Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

• $0 down – 100% financing available
• Small towns, suburbs, and exurbs of major cities qualify
• Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

• Available with no down payment
• Fixed-rates available at terms up to 30 years
• Loan amounts starting at $50,000

The VA loan is available to eligible veterans and active-duty military personnel.