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.

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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.

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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.

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*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

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Frequently Asked Questions

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)