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Last Updated: 04/18/2025

L&N Federal Credit Union Home Loans

from L&N Federal Credit Union

Last Updated: 04/18/2025

L&N Federal Credit Union logo
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Highlights

Credit Score Range

N/A

Amount Range

Up to $726,200

No Origination Fee

Loan Term (Years)

10 - 30
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L&N Federal Credit Union Home Loans Review

L&N Federal Credit Union Home Loans is offered by L&N Federal Credit Union (NMLS #531738), a credit union founded in 1954 and based in Louisville, KY. ln federal credit union home loans are available in 2 states.

Key Takeaways

  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Standard interest rates types. L&N Federal Credit Union Home Loans offers adjustable-rate mortgages and fixed-rate mortgages.
  • Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • No origination fees. L&N Federal Credit Union Home Loans does not charge fees for processing your application.
  • High maximum LTV ratio. L&N Federal Credit Union Home Loans has a maximum loan to value ratio of 95%, which is higher than average. Most lenders want you to have at least 20% equity.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for L&N Federal Credit Union Home Loans.

L&N Federal Credit Union Home Loans Pros & Cons

ln federal credit union home loans FAQ

How much can you borrow via L&N Federal Credit Union?

ln federal credit union home loans allows borrowers to apply for loan amounts of up to $726,200. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with ln federal credit union home loans?

ln federal credit union home loans offers mortgages with terms ranging from 10 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does L&N Federal Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

No, ln federal credit union home loans does not charge a mortgage origination fee.
Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

What property usage types does ln federal credit union home loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. ln federal credit union home loans allows the following property usage types:
  • Primary home
  • Secondary homes and vacation properties
  • Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for L&N Federal Credit Union Home Loans is (800) 292-2905.

What is the support contact email?

The support contact email for is mobile.support@lnfcu.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

9265 Smyrna Pkwy
Louisville, KY 40229
(800) 292-2905
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
8:30AM - 5:00PM

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