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.
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% | 10 year draw, 20 year payback |
3/3 Adjustable Rate Mortgage | as low as 5.99% | 3 years (amortized over 30 years) |
5/5 Adjustable Rate Mortgage | as low as 6.50% | 5 years (amortized over 30 years) |
Short Term Fixed | as low as 6.50% | 10 years |
Construction Loan | as low as 7.24% | 12 months |
Land Loan | as low as 7.50% | 20 years |
5/5 Adjustable Rate Mortgage - 100% of Purchase Price | as low as 7.75% | 5 years (amortized over 30 years) |
* 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.
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!
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.
Empower yourself to make smart financial decisions. Use our calculators to figure out if purchasing a home is a good option for you.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
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.
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.
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.
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.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.
We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.
Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.
This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.
Please contact us at listerhill.com/support, using our chat bubble in the bottom right corner or by calling us at 256-383-9204 for assistance.
Since bill payments are not automatically recurring, you're not able to use ClickSWITCH for them.