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Mortgages

Buying a home is big, and so are the stakes. Finance it with the credit union you trust.

If you're in the market to buy a home, you're probably excited, but also a bit nervous. We want to help by getting to know you better and understanding your goals. We can help you select the best rates and terms to meet your needs so you can start making a house your home.

Product Features
Pay Back on Your Terms

Consult with a Loan Officer on a loan that fits your budget and timeline.

Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Adjustable or Fixed Rates

Get into a home with a low adjustable rate or at a fixed rate set by the market.

Construction Loan

Build the home (or addition) of your dreams.

Government Subsidized Loans

Don't have the cash to put down? Qualify for a low (sometimes no) down payment with FHA, USDA, or VA mortgage loans.

Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a mortgage and more.

Additional Products
Home Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

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Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity line of Credit as low as 5.00% 10 year draw, 10 year payback
3/3 Adjustable Rate Mortgage as low as 3.90% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 4.25% 5 years (amortized over 30 years)
2nd Mortgage - Short Term Fixed as low as 4.25% 7 years
Construction Loan as low as 4.99% 9 months
Land Loan as low as 7.00% 15 years
Effective 3/29/19 - (Call 1-800-239-6033 for details)

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

default-icon for Dustin Holland, AVP of Mortgage
default-icon for Casey Neill, Mortgage Loan Officer
default-icon for Vicki Broadfoot, Mortgage Loan Officer
default-icon for Stacy Aldridge, Mortgage Loan Officer
Meet Our Mortgage Team
Dustin Holland, AVP of Mortgage

NMLS# 1696691

256.383.9204, ext. 1347

dholland@listerhill.com

Casey Neill, Mortgage Loan Officer

NMLS# 207237

256.383.9204, ext. 3813

cneill@listerhill.com

Vicki Broadfoot, Mortgage Loan Officer

NMLS# 198718

256.314.6584

vbroadfoot@listerhill.com

Stacy Aldridge, Mortgage Loan Officer

I am here to help people meet all their housing needs in the Shoals. - Stacy

NMLS# 449408

256.383.9204, ext. 1222

saldridge@listerhill.com

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Common Links

Frequently Asked Questions

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.