Mortgage Programs
HomeOne

Available for first-time homebuyers with only 3% down

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions. Homebuyer education is required for purchase transactions when all borrowers are first-time homebuyers.

  • At least one borrower must be a first-time homebuyer
  • Requires a low down payment of 3%

  • 30-year fixed rate
  • No geographic or income restrictions
Take the first step toward your new home. Apply today!
©2004 - 2024 Liberty Federal Credit Union. All rights reserved. Liberty FCU mortgage lending product availability may vary based on property location. Loans are subject to credit review and approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
Loans are subject to credit review and approval. Loan amounts of $726,200 – $2,500,000.
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. 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. *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. Liberty FCU mortgage lending product availability may vary based on property location.
Rates accurate as of [lastbusiness] and are subject to change daily. Conventional conforming financing mortgage rates include Loan Rate Discount. Discount and promotional offers are available on conventional conforming financing of purchases for primary residences only. Certain product restrictions apply. Closing costs may apply. A sample principal and interest payment on a (30)-year $200,000 fixed rate loan amount with a 7.125% interest rate (7.205% APR) is $1,629 including taxes, insurance, and PMI. This sample is based on a credit score of 760 and a LTV of 95% (5% down payment) and includes our loan rate discount. Actual interest rate may vary based on credit history, loan purpose, loan to value, etc. Product offerings may vary by state or region, and all rates listed are specific to their respective mortgage program.
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. Product offerings may vary by state or region.
Federally Insured by NCUA, Equal Housing Lender NMLS #518136
Loans are subject to credit review and approval. Loan amounts of $726,200 – $2,500,000.
Federally Insured by NCUA, Equal Housing Lender NMLS #518136