Mortgages

Home Loans

Mortgages

Buying a home is big, and so are the stakes. Finance it with the credit union you trust.

If you're in the market to buy a home, you're probably excited, but also a bit nervous. We want to help by getting to know you better and understanding your goals. We can help you select the best rates and terms to meet your needs so you can start making a house your home. Already have a mortgage with us? Visit the Mortgage Portal to make a payment, view your balance, view statements and more.

Apply now

View rates

Get up to 100% financing on select mortgage products.

Consult with one of our friendly loan officers about a payback term that fits your goals.

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Get into a home with a low adjustable rate or at a fixed rate set by the market.

Build the home (or addition) of your dreams.

Don't have the cash to put down? Qualify for a low (sometimes no) down payment with FHA, USDA, or VA mortgage loans.

Buy your home without ever entering a branch.

We charge no Mortgage Tax for Alabama real estate, no admin fees ever for our In House Loans, and have discounted origination fees on purchases.

When you get an In House Loan with Listerhill, pay no monthly charge for Mortgage Insurance so you can dedicate your full monthly payment to your actual loan.

Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.

Up To 100% Financing

Get up to 100% financing on select mortgage products.

Pay Back on Your Terms (General Loans)

Consult with one of our friendly loan officers about a payback term that fits your goals.

Convenient Payment Options (General Loans)

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Adjustable or Fixed Rates

Get into a home with a low adjustable rate or at a fixed rate set by the market.

Construction Loan

Build the home (or addition) of your dreams.

Government Subsidized Loans

Don't have the cash to put down? Qualify for a low (sometimes no) down payment with FHA, USDA, or VA mortgage loans.

Electronic Mortgage Application Process

Buy your home without ever entering a branch.

Save Money Where it Matters

We charge no Mortgage Tax for Alabama real estate, no admin fees ever for our In House Loans, and have discounted origination fees on purchases.

No Charge for Mortgage Insurance

When you get an In House Loan with Listerhill, pay no monthly charge for Mortgage Insurance so you can dedicate your full monthly payment to your actual loan.

Waived Maintenance Fee

Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.

Mortgage Loan Options

APR as low as (%): Call 1-800-239-6033 for the latest rate

Term (Months/Years): 30 years

20 Year Fixed Rate

APR as low as (%): Call 1-800-239-6033 for the latest rate

Term (Months/Years): 20 years

15 Year Fixed Rate

APR as low as (%): Call 1-800-239-6033 for the latest rate

Term (Months/Years): 15 years

Home Equity Line of Credit

APR as low as (%): 4.00%, variable

Term (Months/Years): 10 year draw, 20 year payback

3/3 Adjustable Rate Mortgage

APR as low as (%): 5.24%

Term (Months/Years): 3 years (amortized over 30 years)

5/5 Adjustable Rate Mortgage

APR as low as (%): 5.50%

Term (Months/Years): 5 years (amortized over 30 years)

5/5 Adjustable Rate Mortgage - 100% of Purchase Price

APR as low as (%): 6.75%

Term (Months/Years): 5 years (amortized over 30 years)

Short Term Fixed

APR as low as (%): 5.75%

Term (Months/Years): 10 years

Construction Loan

APR as low as (%): 7.49%

Term (Months/Years): 12 months

Land Loan

APR as low as (%): 6.75%

Term (Months/Years): 10 years

Land Loan

APR as low as (%): 7.25%

Term (Months/Years): 20 years

Mortgage and Home Loans are subject to credit approval. Actual rates will be determined by the individual creditworthiness of each borrower. Rates are subject to change without notice. The APR on adjustable-rate home loans may vary and are subject to change after consummation. Property, occupancy, underwriting, and other restrictions may apply. Equal Housing Lender. Contact a loan officer for current rates, APRs, down payment requirements, and complete program details. APR = Annual Percentage Rate.

TruHome Mortgage Servicing

TruHome Solutions is a credit union service organization that specializes in offering personalized member mortgage servicing.

Learn more

Apply today to lock in your rate.

Home loan rates are constantly changing. Some days that change is minimal and other days the change is dramatic. Making such a large purchase can make it tempting to wait for a better rate but because rates go up and down, it’s often better to lock in your rate. You’ll know what your rate is and what you can or can’t afford as you shop around. Plus, if a better rate comes along, you can still use our float-down option to take advantage of the rate drop. Apply today, find your rate, and lock it in!

Apply now

Get started with a Mortgage Loan Officer Today

Stacy Aldridge

NMLS# 449408

4790 East Second Street, Muscle Shoals, AL 35661

256.383.9204, ext. 1222

[email protected]

Apply Now with Stacy

Mortgage Resources

Should I purchase a home?

Empower yourself to make smart financial decisions. Use our calculators to figure out if purchasing a home is a good option for you.

View Calculators

Discounted Home Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Learn More

Frequently asked questions about credit union mortgage loans

Help Center

Is a credit union better for mortgages?

Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions.

Does it matter who your mortgage is with?

Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

Is it better to refinance with a credit union?

In many situations, yes. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage.

When interest rates decline, refinancing your mortgage can be a good way to save money. How much you...

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