Hipotecas
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.
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.
Purchasing a home is a big decision, whether you are a first time homebuyer or upgrading your home. If you want a monthly payment that’s consistent for as long as you have your home, a fixed-rate home loan from Listerhill is the way to go.
An adjustable-rate mortgage lets you secure a low initial payment and take advantage of every opportunity to reduce your rate over the length of your mortgage. We can help you get the best rates and terms that you need to purchase the home you want at an affordable rate.
Use a short-term construction loan to build your dream home or add the additions you’ve always wanted. Then switch to a long term mortgage with affordable monthly payments.
Obtain a low-interest land loan to cover the costs of purchasing a plot of land for your home or business needs.
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.
Home Loans
| Loans | APR | Maximum Term |
|---|---|---|
| 30 Year Fixed Rate | Call 1-800-239-6033 for the latest rate | 30 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 2.75% | 3 years (amortized over 30 years) |
| 5/5 Adjustable Rate Mortgage | as low as 3.00% | 5 years (amortized over 30 years) |
| Short Term Fixed | as low as 2.75% | 7 years |
| Construction Loan | as low as 5.49% | 12 months |
| Land Loan | as low as 4.75% | 15 years |
| 5/5 Adjustable Rate Mortgage - 100% of Purchase Price | as low as 4.25% | 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.
Frequently asked questions about credit union mortgage loans
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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.
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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.
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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.
Listerhill ha sido calificado constantemente en el nivel más alto por satisfacción general de nuestros miembros. Si bien esperamos que encuentre la información que necesita en línea, estaremos encantados de hablar con usted sobre las preguntas que pueda tener. Llámenos al (256) 383-9204 o al 1-800-239-6033 para obtener asistencia local amistosa. O incluso pase por una de nuestras sucursales para un servicio personalizado.
Responda algunas preguntas y encontraremos una solución que funcione para usted. Solo toma unos segundos.