Home Loans
HOME LOAN OPTIONS DESIGNED FOR YOU
The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. It’s easy with Labor CU and our partner, Credit Union Mortgage Association, Inc. (CUMA).
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Explore First Mortgage Loan Options
Whether you are buying or refinancing a home, we have the home loan options you need.
- First mortgage loans available through conventional, FHA and VA programs
- Choose from a variety of fixed and adjustable rate repayment options
Home Loans for First-Time Home Buyers
No matter where you are in your home buying journey, you have your own team of experts to help you through your first home purchase.
- First-time home buyers can get up to 100% financing1
- Earn thousands in cash rewards2
Experience the Credit Union Mortgage Advantage
We keep it simple. Just answer a few questions and receive an online decision in minutes through our Online Mortgage Center where you can:
- Connect with a top local agent to reserve your HomeAdvantage® cash rewards
- Get an estimate of closing costs
- Learn more and get pre-qualified
- Apply for a loan and get pre-approved in just minutes.
- Calculate your buying power.
Apply online today or call us between 8:30 am – 5:00 pm EST at (855) 913-6185. If you call outside of our regular business hours to speak with a loan officer, press 3 to be connected to our after-hours call center.
Connect to Online Mortgage CenterLabor CU NMLS Institution ID 447026
Discover the HomeAdvantage® Difference
Search current MLS made available through HomeAdvantage®. Then save your favorite searches and get email alerts when new properties come up! The HomeAdvantage program simplifies the real estate agent search and has some of the best local agents to help you buy or sell. Best of all, when you buy or sell your home with a HomeAdvantage agent you could qualify for HomeAdvantage Cash Rewards at closing – the average savings is $1,545.
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Find Your Best Mortgage Option & Get Pre-Approved
Before you get serious about the home you want, find out how much house you can afford with a pre-approval. Check out our great home loan options offered at great rates and with great service!
Home Insurance at Your Fingertips
Let us customize a home insurance package that meets your unique needs.
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1 Must meet Labor CU membership requirements and underwriting standards to qualify. Loan application subject to credit approval. Rates may vary based on individual creditworthiness. Refinancing’s ineligible. Other restrictions may apply.
2 To be eligible for cash rewards, members must register with HomeAdvantage. For details see: https://cumortgage.mycuhomeadvantage.com/
Terms and conditions subject to change without notice. Contact us for details. Labor CU is an Equal Opportunity Lender.
**Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.