It's easier the second time around.
Or the third. Even if it's not your first home purchase, the next one you buy can be just as exciting, and sometimes even more complicated. We'll show you a number of ways to make it as smooth and stress-free as possible, whichever number home you're on.
- Pre-Approvals tell you how much money you can borrow.
- Online Applications make it easy for you to apply whenever and wherever is most convenient to you.
- Financial Calculators to inform and guide your decisions.
- Premium Customer Service makes it easy to get answers and avoid automated phone systems or call centers.
YOUR DREAM HOME NEEDS A DREAM MORTGAGE.
When purchasing your dream home, make sure you’re getting a mortgage you can afford, so it isn’t keeping you up at night! The terms you apply for matter and even a small difference in mortgage terms can add up to large dollar amounts over time.
- Low Closing Costs – LSB doesn’t charge points.
- Low Mortgage Rates - We post our mortgage rates daily and you can use our Best Rate Tool to get a custom mortgage rate quote in seconds.
- Mortgage Rate Security - Don't stress about changing mortgage rates with our 75-day mortgage rate lock AND you'll be eligible for a free mortgage rate float down if mortgage rates decrease. Call for details.
- Loan Modifications - While we offer great rates, there is still potential for them to decrease in the future and because we don't sell our loans, you are eligible to adjust the terms of your mortgage quicker and easier through our Loan Modification Program.
- Relationship Focused - As a portfolio lender, getting a mortgage with us is more like a partnership than a business deal. Our experienced team works to ensure you get a mortgage you can afford and if faced with a hardship, we'll be here to listen.
- Commission-Free - Our Loan Officers aren't commission-based or distracted by quotas. Instead, they are focused on creating Relationships for Generations through honesty and integrity.
- Flexible - A round peg doesn't fit in a square hole! All credit decisions are based on your individual circumstances, not the secondary mortgage market guidelines.
- Portfolio Lender - We will service and hold your mortgage for the life of the loan.
- Money Stays Local - To help build and improve the local community.
- Premium Customer Service - You talk to real people - not automated phone systems or call centers.