Mortgage
A mortgage from La Cap can help you buy that dream home at a reasonable rate.
Our options include:
- Conventional | FHA | VA | Rural Development | Non-conforming | Double-Wide Mobile Home with Land
- Land/Lot Up to 100% LTV | Non-warrantable condo | Fixed Second Mortgages
Home Refinance
If you’ve already found the home of your dreams but want to save money, look into our refinancing options.
HELOC
Ready to tap into the equity you’ve built in your home? A Home Equity Line of Credit (HELOC) may be right for you.
Disclosure
*Annual Percentage Rate (APR) is lowest available and subject to change without notice. Effective date 10/09/26. Offer, rates, terms, and conditions vary depending on the type of loan, loan amount, loan to value ratio, credit evaluation, and underwriting requirements. Property insurance (and flood insurance if applicable) required. A mortgage of $250,000 for 30 years at 7% interest rate requires a principal and interest (P&I) payment of $1,663.26 per month. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Less than 20% down may require private mortgage insurance (PMI).
NMLS # 411413
APR = Annual Percentage Rate. HELOC interest rates are variable, based on an index plus a margin. The index is PRIME as published in the Wall Street Journal. The introductory rate is as low as 3.99% APR and is effective for 6 months (180 days) from the consummation date. The non-introductory APR range is 7.25% to 13.00% as of Effective date: 10/01/26. The minimum loan amount is $10,000. La Capitol FCU will pay up to $1,500 of closing cost. Closing cost does not include full appraisal fee if appraisal is required. La Cap will pay the closing costs; however, these costs will be charged back to the borrower(s) if the HELOC is closed within twenty-four (24) months of origination. Other restrictions may apply. Equal housing lender. NMLS # 411413. Effective date: 10/01/26