Toggle Menu LOGIN Mortgage Center Get a Great Mortgage Rate Today La Capitol home lending helps you make the most of your home. With options like no PMI or down payment needed,1 you can secure your loan with smaller funds and get into your space sooner. What’s more? You could qualify for up to 100% financing2 on your purchase — that means more money to spend on your new space. Our mortgage products include: Conventional | FHA | VA | Rural Development | Non-conforming | Mobile Home Land/Lot Up to 100% LTV | Non-warrantable condo | HELOCs & Fixed Second Mortgages Applying online is as easy as 1-2-3. You can click here to apply now. Click “Apply Now” and complete the application. When you have completed the application, click “Submit” and your information will be reviewed. A La Capitol FCU Mortgage Loan Originator will follow up to answer your questions. APPLY NOW REQUEST MORE INFORMATION Why Get a Mortgage from La Cap? Watch This Video to Find Out MORTGAGE BUYER'S GUIDE The La Cap Mortgage Buyer’s Guide can provide you with valuable, timesaving information to help you with the process of finding and buying a new home. Best of all, it’s free. DOWNLOAD THE MORTGAGE BUYER'S GUIDE MORTGAGE LOAN ORIGINATORS 1PMI = Private Mortgage Insurance. Other conditions apply, including but not limited to appraisal, title, and maximum loan amount of $300,000. Maximum DTI (Debt to Income ratio) 40%. Minimum credit score of 700. No slow payments in the last 24 months. 24 months of previous mortgage history or rental history. Judgments, liens, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full and released prior to closing. No open or active mortgage(s) allowed in order to qualify for this product. Minimum 24 months of verified employment in the same or related field. Two years of W-2s and tax returns are required. Seller contribution up to 6% allowed. Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details. 2Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details. Mortgage Calculators How much home can I afford? How much mortgage might I qualify for? Which mortgage is better for me? Should I refinance? How much will my fixed rate mortgage payment be? How much will I save by increasing my mortgage payment? Need home insurance? Learn about TruStage NMLS # 411413 WHY LA CAP CONTACT US BRANCH & ATM LOCATIONS HELP & FAQS NEWS EVENTS FINANCIAL EDUCATION CAREERS PRIVACY NOTICE DISCLOSURES FORMS PERSONAL CHECKING COMMERCIAL CHECKING PERSONAL SAVINGS IRAS HOME LOANS AUTO LOANS PERSONAL LOANS VISA CREDIT CARDS CURRENT RATES ONLINE & MOBILE BANKING MAKE A PAYMENT CALCULATORS TELEPHONE BANKING E-SIGNATURE HOLIDAY SCHEDULE MEMBER REFERRALS TRUSTAGE INSURANCE La Capitol Federal Credit Union on Facebook La Capitol Federal Credit Union on Twitter La Capitol Federal Credit Union on Instagram Routing No: 265473582 © 2021 La Capitol Federal Credit Union. All rights reserved. If you agree, click to accept our recommended cookies or view our cookie disclosure to opt-out. ACCEPT