QUICKLINKS SEARCH ABA Routing #: 265473317 OPEN ACCOUNT MEMBER LOGIN Personal Loans Credit Cards Mortgage Commercial Home Mortgage Mortgage Loan Rates & Options Mortgage Loan Rates & Options Buying a home? Stay local. We offer a variety of mortgage loan options to fit your needs. Purchase Power Mortgage With 100% financing for purchases, a Purchase Power Mortgage is ideal for a first-time homebuyer. No down payment required Fixed interest rate NO Private Mortgage Insurance (PMI) required Seller contribution up to 6% allowed Maximum loan amount $300,000 Maximum DTI (Debt to Income ratio) 40% Requirements to qualify Minimum mid credit score of 660 No slow payments in the last 24 months Judgments, liens, collections, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full No open or active mortgage allowed qualifying for the product Minimum 25 months of verified employment in the same or related field Two years W-2s and Tax returns required Property must be located in East Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Iberville, Livingston, Pointe Coupee, or St. Helena parish Property must be a detached single family dwelling (no condos/town homes/mobile or manufactured/modular homes) I’D LIKE TO BE CONTACTED TO APPLY Lot/Land Loans Purchase a lot or land prior to building. Up to 100% financing available Terms up to 12 years GET MORE INFO & RATES I’D LIKE TO BE CONTACTED TO APPLY Conventional Mortgage Loans Purchase and Refinance With a wide choice of terms and competitive mortgage rates, our mortgage options work within your budget and fulfill your homeownership dreams. • 10, 15, 20, or 30-year terms. • Fixed or adjustable-rate financing. • Multiple down payment options. MORTGAGE RATES APPLY NOW Also of Interest: Auto Loan CalculatorShould You Buy Or Rent A Home Baton Rouge?Home Buyers Seminar Locations The Front Porch Blog Financial Education Careers Contact App Center Neighbors Capital Area Foundation Accessibility How to Join Calculators Disclosures Privacy Policy Holiday Schedule Who We Are Member Action Center SIGN IN ASK NEIGHBORS MAKE A PAYMENT Facebook Twitter LinkedIn Instagram Youtube SUBSCRIBE © 2021 Neighbors Federal Credit Union. Site by Gatorworks Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Purchase Power Mortgage Lot/land Loan