Mortgage Loans

Extended Terms up to 50 Years!

Smooth Application & Closing Process

Multiple Programs To Fit Your Needs

 

1st Mortgage

   Up to $350,000.00

   30 or 40 year Term

   4.00% APY |  75% LTV

   15/15 ARM | Adjustment to Prime +0.75%, Max Increase of 4.00%

Sample Rates

30 Years

4.00 %

APR∗

$119.39

Price per $25,000.00

40 Years

4.00 %

APR∗

$104.53

Price per $25,000.00

Home Equity

   Up to $35,000.00

   10 Year Term

   5.00% APY |  75% LTV

   30/10 Balloon | No Prepayment Penalty after 1st Year

Sample Rate

$35,000.00

5.00 %

APR∗

$187.95

30/10 Balloon Home Equity 

Fix & Flip Investor

   Up to $300,000.00

   18 month term | Interest Only

   9.99% APY |  50% LTV

   Kings, Queens, Nassau & Suffolk Only | Non-Owner Occupied | 1-4 Family Residential | Personally Guaranteed

Sample Rates

$50,000.00 

9.99 %

APR∗

$416.25

18 Months Interest Only

$100,000.00

9.99 %

APR∗

$832.50

18 Months Interest Only

$300,000.00

9.99 %

APR∗

$2497.50

18 Months Interest Only

Interested in Learning More?

Click to Learn More:

Auto Loans

LIRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

 

Learn More

Auto Loans

Personal Loans

LIRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.  

Learn More

Personal Loans

Debt Consolidation

Save yourself the hassle and interest, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

 

Learn More

Debt Consolidation

Mortgages

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 40 year terms, home equity loans, and short term investor mortgages.

Learn More

Mortgages

Share-Secured Loans

A Share-Secured Loan is a way to borrow against your own funds. Many choose this option to take advantage of a lower interest rate while still earning our high savings interest, or, to make sure they repay themselves. 

 

Learn More

Share-Secured Loans

Boat Loans

We are happy to offer Boat Loans to our members, and help them enjoy that aspect of being an Islander!

Learn More

Boat Loans