About Los Angeles Federal Credit Union
Los Angeles Federal Credit Union (LAFCU) is a member-owned financial cooperative dedicated to serving its community by providing a wide array of financial services, including competitive real estate and personal loan solutions. As a federal credit union, LAFCU prioritizes its members' financial well-being and strives to offer accessible and affordable banking and lending options.
LAFCU distinguishes itself through its commitment to flexible financing options and attractive interest rates on home loans, including both first and second trust deeds. They cater to a diverse range of real estate needs, from primary residences to investment properties, and offer various fixed and adjustable-rate mortgage programs. Their focus is on simplifying the home financing process for their members.
Leveraging modern digital capabilities, LAFCU provides online and mobile banking, a 24/7 virtual assistant, and online mortgage calculators to empower members with convenient tools. With a strong emphasis on member support and community involvement, LAFCU aims to be a trusted partner in financing their members' futures, whether through homeownership or other financial goals.
LAFCU distinguishes itself through its commitment to flexible financing options and attractive interest rates on home loans, including both first and second trust deeds. They cater to a diverse range of real estate needs, from primary residences to investment properties, and offer various fixed and adjustable-rate mortgage programs. Their focus is on simplifying the home financing process for their members.
Leveraging modern digital capabilities, LAFCU provides online and mobile banking, a 24/7 virtual assistant, and online mortgage calculators to empower members with convenient tools. With a strong emphasis on member support and community involvement, LAFCU aims to be a trusted partner in financing their members' futures, whether through homeownership or other financial goals.
Company Information
Lender Type: Credit Union
Headquarters: Los Angeles, CA
Licensed In
CA
Digital Capabilities
Online Application
Mobile App
Online Account Management
Rate Calculator
AI Chatbot
Home Loan Products
Conforming Fixed Rate Owner Occupied Loan
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years30 years
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Conforming ARM Owner Occupied Loan
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Adjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Super Conforming Fixed Rate Owner Occupied Loan
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Super Conforming ARM Owner Occupied Loan
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Adjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Investment Conforming Loan
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Investment PropertySingle-Family HomeCondoTownhouse
Occupancy Types:
Investment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Investment Super Conforming Loan
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Investment PropertySingle-Family HomeCondoTownhouse
Occupancy Types:
Investment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Second Trust Deed Fixed Loan
Loan Types:
Second MortgageHome Equity Loan
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
5 years7 years10 years15 years
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Home Equity Line of Credit (HELOC)
Loan Types:
HELOC
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Fair (620-679)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Contact Information
201 N Los Angeles St #201
Los Angeles, CA 90012
US
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Business Information
Category: Credit Union
Location: Los Angeles, CA
Status: Standard
Type: Credit Union
NMLS ID: 440742
Profile Views: 17
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