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New Mortgage

Get pre-qualified and into the house of your dreams.

What You Need:

  • Be a Latino CU member
  • Proof of minimum required down payment and estimated closing costs required at time of pre-qualification (based on product and LTV chosen)
  • Proof of employment for the last twelve (12) months (paystubs and most recent W2)
  • If self-employed, the most recent two (2) years of signed federal income tax returns
  • Proof of at least twelve (12) months of consecutive rental history
  • A minimum of two (2) lines of traditional or alternative credit active for at least six (6) months
  • Last two months complete bank statements for deposit accounts.


What You Get:

  • Fixed Rate and Adjustable Rate (5 year ARM) loans available*
  • Fixed Rate Loan Maximum Term: 20 years
  • Adjustable Rate Loan Maximum Term: 30 years
  • Minimum Loan amount $40,000
  • No Private Mortgage Insurance (PMI) required
  • Options to finance doublewide manufactured homes**
  • Access your account online and do much more with our electronic services. Click here for details
  • *Your adjustable interest rate may only be adjusted 2% every five years (or 6% in addition to the initial rate over the life of the loan) depending on the market, so you are protected against rapidly rising rates.
  • **Maximum loan term for manufactured homes: 15 years.
  • Doublewide manufactured homes must have a permanent foundation of brick and block, and the wheels, axles, and towing hitches have been removed. Must have been built on or after June 15, 1976.
  • Mortgages available for properties located in North Carolina, South Carolina, Georgia and Virginia.
  • Financing up to 95% Loan to Value for properties located in all states that we currently service.

Mortgage Calculator

LCCU Home Buying Guide

CFPB Home Loan Toolkit

We are now offering mortgages in South Carolina

Join today
and enjoy our competitive rates!