Introducing Our
House Special

Purchase with as little as 3% down and pay no PMI* with Listerhill's 30-year, fixed-rate mortgage. All underwritten in-house.

Getty Images 172956318
With a Listerhill Home Loan, PMI is on the house.

With no PMI* on our 30 year fixed-rate mortgage, you can save thousands over the life of your home loan. That's thousands for turning your new home into your dream home.

Apply Now

Always Pay Listerhill

Our 30-year, fixed-rate mortgage is underwritten in-house.  That means you’ll always pay Listerhill – resulting in less hassle and excellent local member service. 

With rates at an all-time low, now is the time to make your home ownership dream a reality, or to make your move to a better one. This special offer is for everyone, not just for first-time homebuyers.

Additionally, there is no limit on seller-paid closing costs.

default icon for
default icon for
Looking to refi? We've got the most competitive rates for that, too.

There's never been a better time to refinance. Apply today to lower your payments when you bring your mortgage to Listerhill.

equal-housing-opportunity.png#asset:37198

*Terms and conditions apply. Down payment must be minimum of 3% to qualify. Down payment requirement applies to purchase price or appraisal, whichever is lower.

**Private Mortgage Insurance. See listerhill.com/homeloan for more information. NMLS #439260

default icon for Solution Finder Intro
What can we help you with?
default icon for Checking For Mature Members
What are you borrowing for?
default icon for Checking For Mature Members
Vehicle Options
default icon for Checking For Mature Members
Home Options
default icon for Carrolls
What are you saving for?
default icon for Carrolls
How old are your kids?
default icon for Cord
Which of these banking options are you interested in?
default icon for Cord
How old are you (or your child)?
default icon for Cord
Are you a UNA student?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
How old are you?
search popup background

What are you looking for?

Common Links

Frequently Asked Questions

  • What does Interest-Only Mean?

    With an interest-only loan, you are only responsible for paying the interest on the amount you draw from the construction loan each month. 

    Here’s an example. 

    If you draw $15,000 in January, you pay 4.99% on $15,000

    If you draw an additional $25,000 in February, you pay 4.99% on $40,000 ($15K from January + $25K from February)

  • What is a Construction Loan?

    A home construction loan provides you with financing to build your dream home. 

    With terms up to 12 months, this short-term loan covers your costs, including land, contractor labor, building materials, and more, until your home receives an occupancy certificate.  

    Once your home is ready to move in, you will then secure a traditional home mortgage.

  • You might prefer an adjustable-rate mortgage over a fixed-rate mortgage if...

    • You plan to move before the introductory rate expires.
    • You want a lower payment during your initial payment period.
    • You think rates will drop in the future.
    • You are planning on relocating before the rate adjusts
    • You know you will be paying off the loan in a few years
    • You need to move fast and have limited time to secure a down payment
    • You do not qualify for a 30-year fixed-rate mortgage, but want a 30-year payment schedule
    • Your payment could decrease if the index against which your ARM is benchmarked drops
  • A 5/5 adjustable rate-mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first five years, then fluctuating every five years. 

    A 5/5 ARM is best if you want to lock in a low rate over a longer period and maintain the same rate over an extended time. 

    With a 5/5 adjustable-rate mortgage, you can go 10 years with only one rate adjustment, whereas with other lenders, you could experience up to six rate changes in the same time period.

  • A 3/3 adjustable-rate mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first three years, then fluctuating every three years

    A 3/3 ARM is best if you want to lock in the lowest rate, but over a shorter period and are okay with the rate fluctuating more often.