We have the right mortgage program for you!

At Liberty FCU, we make purchasing a new home easy—and affordable. We offer:

  • Mortgage programs that fit most any budget
  • The guaranteed lowest mortgage rates1
  • Up to a $500 Mastercard® gift card at closing2

Liberty FCU offers Credit Repair Counseling available to all mortgage applicants. This service can help members prepare themselves, and their credit, for a home purchase!

Featured Product: FHA

  • Down payments as low as 3.5%
  • Credit scores down to 600 with loan approval
  • More lenient requirements for income and credit history
  • Gifts from family are allowed for down payment and closing costs
  • Sellers can contribute up to 6% towards costs, including discount points, buydown fees, and buyers’ closing costs
  • Non-occupant co-borrowers are allowed3

Get started today!


or contact Liberty FCU’s Mortgage Lending Department at 1-800-800-9271 to learn more


You may choose to stop receiving “pre-screened” credit offers by calling toll-free 1-888-567-8688.

Pre-qualified status: Information from a credit bureau was used in connection with this offer. You received this offer because you satisfied certain credit union criteria for creditworthiness as of the date of the credit bureau information. If you respond to this offer but do not meet the criteria for loan prequalification at the time of your application, we may not be able to extend credit to you.

You have the right to prohibit the use of information contained in your credit file with any consumer credit reporting agency in connection with any credit transaction that is not initiated by you.

You may contact any of the credit reporting agencies by calling 1-888-5-OPT OUT (567-8688) or write to them at the addresses below:

Experian Information Systems, P.O. Box 919, Allen, TX 75013-0919
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123


Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

This is not a commitment or an approval for a mortgage loan. Credit may not be extended if, after you respond, we find that you do not meet the following criteria, including but not limited to, length of employment, your income, debt status, and ability to pay in relation to the loan amount requested. Additional criteria may apply. We can cancel this offer if you do not meet the criteria established in this offer at the time of loan application. 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. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary.

1 Rate 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 FHA and VA financing. Rate includes Extra Credit Mortgage discount. Contact a Liberty FCU mortgage loan officer for further details. Liberty FCU mortgage lending product availability may vary based on property location.

2 Gift 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.

3Down payment funds may also come from someone else in the form of a gift, so long as that gift and the giver meet certain FHA requirements, according to HUD 4155.1 Chapter Five Section B.