Make Your Dream Home a Reality

Mortgage Rates as Low as 6.50%*


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!

The 15/15 Mortgage Includes:

  • Up to 95% Financing Available (to receive rate shown above, points and 80% loan to value required).
  • No Closing Costs Available
  • No PMI
  • 30 Year Term
  • Rate Locked in for 15 Years
  • Competitive Rates

Get your project started today with a Home Equity Loan


Borrow $20,000 for as low as $145 per month!**


Home Equity Line of Credit gives you more control over how and when you borrow money. With easy access to funds and flexible draw and repayment options, the equity in your home can be used as a valuable savings and financial tool.

Whether you plan on using your line of credit right away or in the future you’ll have simple, convenient and affordable access to funds for home improvements, debt consolidation, education expenses and so much more!

Take advantage of competitive rates and terms on our Interest Only-Adjustable Rate Home Equity Line of Credit
  • 10 year draw period, followed by a 20 year repayment period
  • Interest only payments during the draw period. Principal and interest payments after the draw period ends
  • Borrow up to 90% of your home's value (If L&N holds the first mortgage)

Active duty military, military veterans and first-responders will have underwriting and processing fees waived!***


For more information on our Home Equity Line of Credit programs, contact our Real Estate Department at (800) 292-2905 or (502) 368-5858. Or, contact us by filling out our Contact Us form.

*15/15 rate of 6.750  available for 80% financing with points
**Example shown based on borrowing $20,000 at 8.50%, adjustable rate, during 10 year Interest Only Draw Period. Monthly payment will vary based on loan balance, variable rate and during the repayment period that includes principal and interest following the interest only period. Rate is variable based on prime plus a margin determined by your credit score. Terms of program are subject to change.
*** Includes Army, Navy, Air Force, Marines, Coast Guard, Firefighters, Police and EMS. Must show valid I.D. New loans only. Offer subject to change at any time without notice. NMLS#531738