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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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.

Talk to a Mortgage Expert 

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Home Loan Rates

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
20 Year Fixed Rate Call 1-800-239-6033 for the latest rate 20 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity Line of Credit as low as 4.00%, variable 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 8.49% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 9.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 7.50% 10 years
Construction Loan as low as 9.24% 12 months
Land Loan as low as 8.00% 20 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 10.25% 5 years (amortized over 30 years)
Effective 9/1/23

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

TruHome Mortgage Servicing

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

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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!

Product Features
Up To 100% Financing

Get up to 100% financing on select mortgage products.

Pay Back on Your Terms

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

Convenient Payment Options

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.

Do The Math
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.

Have you considered?
Discounted Home Insurance

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

Frequently asked questions about credit union mortgage loans

  • 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.

Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Common Links

Frequently Asked Questions

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments through the "Pay Your Loan" link on the Listerhill website?

    Unfortunately, after the transfer you will not be able to use this link to pay your mortgage. However, you can visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments over the phone?

    You can reach TruHome's payment center by calling 844-203-3642.

  • What if I prefer to make my payments by mail or through Bill Pay at another financial institution?

    As a national servicing company, TruHome will probably be in your other financial institution's list of payees who accept electronic payments. If not, you can set up the account using the address below:

    TruHome Solutions, LLC

    P.O. Box 219958

    Kansas City, MO 64121-9958