Real Estate Loans

Make your dream home a reality

Whether you’re looking to purchase, build or remodel, Jefferson Financial has the financial solution. Let Jefferson Financial FCU help you fulfill your American dream! 


With Jefferson Financial FCU’s 5 Year Adjustable Rate Mortgage, your payment won't change for the First 5 years of the loan and then can change every 5 years based on market conditions, subject to the specific terms of the loan.  Loan Term:  360 Months.  Initial Fixed Period:  60 Months.  2% Period Cap; 5% lifetime cap & 95% LTV max. 


Whether you're looking to install a home generator or need to complete other repairs, we have you covered with rates as low as 5.99% / 6.115% APR*. Minimum loan amount is $10,000 with a maximum of $75,000.  Funds available within 2 days! $500 processing fee applies. 

Below are a few of the installed home improvement projects we finance:

Home Generators, Solar Panels & New Roofs, Gutters & Siding, Windows & Doors, Kitchen Remodels, Bathroom Remodels, Swimming Pools & Foundation Repairs


Mortgage pre-approval with Jefferson Financial FCU means we actually start underwriting your loan. By the time you are approved, all we need to complete your loan is the home appraisal and title. 

  • 30, 20 and 15 year rates available. 
  • Up to 97% purchase price.
  • Reduced Mortgage Insurance or No Mortgage Insurance
  • Gift Funds Acceptable for Down Payment and Closing Costs
  • Max Debt To Income - 45%
  • No Income Limits
  • 3% seller assistance
  • Primary Residences Only
  • Programs, rates, terms and conditions are subject to change without notice. NMLS# 397439

1st Mortgages

Green Arrow BulletPurchase up to 97% LTV
(1st time homebuyers may use gift funds)

Green Arrow BulletRate and Term Refinances up to 97% LTV

Green Arrow BulletCash out Refinances up to 95% TLTV

Land & Construction 

Green Arrow BulletUp to 80% LTV

HELOC & Renovation 

Green Arrow BulletUp to 95% TLTV

2nd Mortgages

Green Arrow BulletUp to 95% TLTV

Contact our Real Estate team at 800.259.2471 ext. 629 to Learn More or to Apply by Phone. 

Mortgage Loan Rates
as low as 5.068% APR*
*APR (Annual Percentage Rate) is available to borrowers who meet credit requirements. The "as low as" rate assumes excellent credit. APR may vary based upon your credit history and term of loan. No points. Primary residence only. Rates are subject to change without notice.