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 4.40% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 4.75% 5 years (amortized over 30 years)
2nd Mortgage - Short Term Fixed as low as 4.75% 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, Mortgage Loan Officer
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, Mortgage Loan Officer

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

While we hope you find the information you need online, we want to remind you that Listerhill is more than a website. We’re your credit union, and we look forward to helping you. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Better yet, stop by one of our branches for some personal service.

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Common Links

Frequently Asked Questions

  • Which loans are eligible for Skip-A-Pay?

    Auto loans, recreational loans, and personal loans are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.


  • When should I request Skip-A-Pay?

    In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.

    Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.

  • How do I request Skip-A-Pay?

    Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $25 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.

  • What is Skip-A-Pay?

    Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.

  • What loans are not eligible for Skip-A-Pay?
    1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
    2. Business Loans
    3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Protection, and Credit Cards)
    4. Christmas Loans
    5. Single Pay Term Loans
    6. Loans with Less than 6 Monthly Payments
    7. Loans Currently Past Due More than 10 Days
    8. Loans that Received Maximum Extensions (six skip pays and/or extensions allowed during the term of the loan)
    9. Workout Loans or Troubled Debt Restructuring (TDR)
    10. Accounts in Bankruptcy
    11. Charged-Off Loans
    12. Loans on Accounts with a Negative Checking or Savings Balance
    13. Accounts with Bad Addresses