Innovative lending for meaningful living
Whether you’re a first-time homebuyer, moving to a bigger house, downsizing, or even refinancing your existing home, LutheranFCU has mortgage options designed to fit your unique needs. With conventional Mortgage Loans starting at $100,000.00, we combine mission-centred financial guidance with practical solutions to help you move forward with confidence.For assistance, please give us a call at (314) 394-2790 or e-mail loans@lutheranfcu.org to discuss the different products available.Mortgages currently not available through LutheranFCU in the following states: Hawaii, New York (read the details on exceptions for RCW Mortgages).In Texas, specific state regulations apply: 1) Purchases and rate-and-term refinances below 80% Loan-to-Value are allowed. 2) Cash-out refinances are not available.
Whether you’re a first-time homebuyer, moving to a bigger house, downsizing, or even refinancing your existing home, LutheranFCU has mortgage options designed to fit your unique needs. With conventional Mortgage Loans starting at $100,000.00, we combine mission-centred financial guidance with practical solutions to help you move forward with confidence.For assistance, please give us a call at (314) 394-2790 or e-mail loans@lutheranfcu.org to discuss the different products available.Mortgages currently not available through LutheranFCU in the following states: Hawaii, New York (read the details on exceptions for RCW Mortgages).In Texas, specific state regulations apply: 1) Purchases and rate-and-term refinances below 80% Loan-to-Value are allowed. 2) Cash-out refinances are not available.
Check Out This Month's Mortgage Program Highlight
LutheranFCU 7/6/30 Adjustable-Rate Mortgage
Mortgage Loan Rates starting at 5.750% (6.552% APR*)
What is a 7/6/30 mortgage loan?
This is an adjustable-rate mortgage where the initial mortgage loan interest rate is fixed at 5.75% for the first 7 years. After that, the interest rate may adjust every 6 months based on an Index** plus a fixed margin. Payments are calculated using a 30-year repayment period and the interest rate can never increase by more than 5% above the initial interest rate over the life of the loan.
*At a 5.75% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.552%. The interest rate may change after consummation so your actual payment may change and will be based on the Index at the time of each rate adjustment per the terms of your loan agreement. This example is based on a $400,000 loan secured by a $500,000 single-family primary residence in the state of Missouri and assumes an applicant has a credit score of 740 or higher.
**The Index is known as the 30-Day Average Secured Overnight Finance Rate (SOFR) index. The Index is currently published by the Federal Reserve Bank of New York.
Find a mortgage rate that fits your life
Buying a home is a big step, and understanding your options should feel simple. Share a few details with us, and we’ll provide a personalized rate based on your unique situation. This tool is the best way to see our current mortgage rates.
There’s no obligation and no pressure, just helpful guidance to support your next move.
Need more help? Check out the mortgage calculators.
The calculators on the following page are only estimates and may not accurately reflect your individual situation. Please contact one of our lending specialists if you have any questions.
Check Our Current Rates!
For members with mortgage loans
For information on your existing Mortgage Loan with LutheranFCU, you can contact our servicing department.
If your mortgage closed before November 2019, you can:
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Email the Servicing Department (Fastest method of communication): Servicing@mortgagedept.com
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Call the Servicing Department (to leave messages only): 1 (800) 928-6263
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View your Mortgage Loan online by visiting: https://mortgagedept.estatusconnect.com
If your mortgage closed after November 2019, you can:
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Log into your online mortgage account by clicking here.
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Call the Servicing Department: 1 (833) 811-0350 (Live representative available from 8am–8pm CST)
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Email the Servicing Department: mortgageservicing@truhome.com
NMLS #1301052