<% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName, Var_1515ARMRate sSQL = "dbo.spGetRateRowData 262" rs.Open sSQL, cn, 1, 3 YourVariableName = rs("Col1") Var_1515ARMRate = rs("Col2") YourVariableName = rs("Col3") rs.Close %> <% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName2, Var_55ARMRate sSQL = "dbo.spGetRateRowData 231" rs.Open sSQL, cn, 1, 3 YourVariableName2 = rs("Col1") Var_55ARMRate = rs("Col2") YourVariableName2 = rs("Col3") rs.Close %> <% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName3, Var_30YrFixedRate sSQL = "dbo.spGetRateRowData 237" rs.Open sSQL, cn, 1, 3 YourVariableName3 = rs("Col1") Var_30YrFixedRate = rs("Col2") YourVariableName3 = rs("Col3") rs.Close %> <% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName4, Var_HEAdjRate sSQL = "dbo.spGetRateRowData 299" rs.Open sSQL, cn, 1, 3 YourVariableName4 = rs("Col1") Var_HEAdjRate = rs("Col2") YourVariableName4 = rs("Col3") rs.Close %> <% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName5, Var_ConstructionRate sSQL = "dbo.spGetRateRowData 266" rs.Open sSQL, cn, 1, 3 YourVariableName5 = rs("Col1") Var_ConstructionRate = rs("Col2") YourVariableName5 = rs("Col3") rs.Close %><% set cn = CreateObject("ADODB.Connection") Set rs = CreateObject("ADODB.RecordSet") cn.ConnectionString = Application("ConnectionString") cn.Open dim YourVariableName6, Var_FTHBRate sSQL = "dbo.spGetRateRowData 249" rs.Open sSQL, cn, 1, 3 YourVariableName6 = rs("Col1") Var_FTHBRate = rs("Col2") YourVariableName6 = rs("Col3") rs.Close %>

Mortgages

Welcome Home!

 

As one of the largest credit unions in the Kentucky, we have the expertise to assist you in all aspects of buying a home. Get a quote, check current rates, or apply online!

 

Please select the type of mortgage you're looking for below.

15/15 Mortgage

The L&N 15/15 Mortgage plan is an adjustable rate mortgage that offers a rate lock for 15 years. That’s an adjustable rate mortgage with only 1 rate change in 30 years!

 

30 Year Term Available

  • Up to 95% Financing
  • No PMI
  • Rate Locked in for 15 Years
  • Competitive Rates
  • Rate adjusts after 15 years. This is only 1 change during the term of the loan. Ask for details. Approval based on credit qualifications. Terms of the program are subject to change.

Rates As Low As

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5/5 Mortgage

The L&N 5/5 Mortgage plan is an adjustable rate mortgage that offers a rate lock for 5 years. After the 5th year adjustment, there is not another one for 5 more years! That’s an adjustable rate mortgage with only 1 rate change in the first 10 years!

 

20, 25 & 30 Year Terms Available

  • Up to 100% Financing
  • No Closing Costs
  • No PMI
  • Rate Locked in for the First 5 Years
  • Competitive Rates
  • The 5/5 adjustable rate mortgage is also available with normal closing costs and a lower interest rate. Rate adjusts once every 5 years during the term of the loan. Ask for details. Approval based on credit qualifications.Terms of the program are subject to change.

Rates As Low As

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Conventional

We never sell the servicing on our conventional mortgage loans!

 

So not only do you get competitive rates and terms, you get peace of mind knowing that you can count on L&N Federal Credit Union to always be there.

30 Year Fixed As Low As

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Construction Loans

Let L&N Federal Credit Union help you build the home of your dreams!

 

We offer a one-time closing, construction-to-permanent financing loan.

  • Rate lock available at time of application
  • Same rate during construction phase and permanent financing
  • Primary residence
  • Up to 90% financing
  • No PMI
  • Nine month construction phase
  • 5/5 ARM or 15/15 ARM loan programs available

Rates As Low As

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Home Equity

L&N Federal Credit Union Home Equity Programs all feature low rates, low payments, and easy access.

 

Home Equity Loans can be used for purchasing a new automobile, home remodeling, the vacation you’ve been longing for, or debt consolidation to pay off high interest rate credit cards.

 

With a Credit Union Home Equity Loan, your money is at your fingertips. You can transfer funds through internet banking, write a check, use a special debit card or contact your branch location and have your money deposited into your account. It is that simple.

  • Interest Only

 

OR

 

  • Term Home Equity

 

Five to ten year draw-periods are available, 90% Loan-to-Values,* and low closing costs. The Fixed Rate version features a maximum repayment period of 15 years, while the Adjustable Rate version has maximum repayment periods of 20 years, depending on the plan you qualify for.

* 90% LTV if L&N holds the first mortgage

Rates As Low As

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First Time Home Buyer

Financing a home for the first time can be overwhelming. Our First-Time Home Buyers Program will take you through the home buying process step-by-step, and provide useful assistance throughout.

 

This program provides no discount points, no origination fee, reduced closing fees, and an Escrow account to pay for items such as property taxes and insurance. We can finance up to 97% of your purchase up to $484,350 with terms up to 30 years.

  • Adjustable Rate

 

OR

 

  • Fixed Rate

 

Choose the plan that fits you like a glove. This means you get affordable, convenient financing with a company that cares about your future.

30 Year Fixed As Low As

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NEED HELP CHOOSING THE RIGHT MORTGAGE?

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