Fixed-rate and adjustable-rate loans

Competitive rates and lower fees

Local, personalized service every step of the way

Get a Home Loan That’s Right for You

The biggest purchase of your life can be intimidating. Our experienced LAPFCU lending team will take the time to explain the various loan types, answer your questions, offer personalized solutions, and guide you through the application process.


A smart choice if you plan to live in your new home for many years, want stable monthly payments, and your income may decrease (e.g., retirement).

  • Lower initial fixed-interest rate, followed by periodic rate adjustments, so payments may fluctuate 
  • Competitive rates and low closing costs
  • Steady monthly payments make budgeting and long-term financial planning easier
  • Put as little as 10% down, or refinance up to 80% of your home’s value.
  • Can help you qualify for a larger loan with lower monthly payments, so owning a home is more affordable
  • Allows you to pay more toward your principal balance to build equity faster 
  • Schedule convenient automatic payments through the LAPFCU app or in online banking
  • No pre-payment penalty if you pay off your loan early
  • LAPFCU will service your mortgage in-house for the life of the loan
  • Lending in all 50 states
  • First-time homebuyer loans with as little as 3% down payment available


A smart choice if you plan to live in your home for only a few years or you are buying one house and selling another at the same time.

  • Lower initial fixed-interest rate means a lower payment for the first five years
  • The lower initial payment may help you qualify for a larger loan, allowing the purchase of a more expensive home
  • After the initial 5-year period, your rate may be adjusted periodically, so payments may fluctuate
  • Loan caps limit the timing of and how many rate increases may happen over the life of the loan
  • Reduced down payments - put as little as 10% down, or refinance up to 80% of your home’s value
  • Allows you to pay more toward your principal balance to build equity faster 
  • No pre-payment penalty, so you can refinance into a stable, fixed-rate loan later if rates drop and you have sufficient equity


Get free pre-approval, so you can shop for your home knowing that you can afford the mortgage. For assistance, email us.


Did you know that when you apply for a mortgage loan, mortgage brokers can legally obtain information about your home loan? Programs like these are permissible under the Fair Credit Reporting Act. Some mortgage brokers use this to create confusing or deceptive solicitations that appear to be from LAPFCU— but they’re not!

To avoid solicitations, you must opt out of this prescreen lead program here.

Please note: LAPFCU will never share your information with anyone outside the Credit Union.


Register your email with the Los Angeles County Assessor’s office to get notifications whenever the L.A. County Registrar-Recorder/County Clerk records a foreclosure, transfer of title, or mortgage on your property. This is an effective way to identify and prevent potential real estate fraud activity, such as a fake deed. For more information or to register, create a profile on the portal.

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LAPFCU is a full-service credit union for sworn, non-sworn, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.