Mortgages

Understanding your expectations, and discovering the path to exceeding them.

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Mortgage Loans

Ever worry that you’re not getting the best rate possible on your mortgage loan? Leaders Mortgage Services removes that worry with our Best Loan Pricing Guarantee*^. You can borrow with confidence knowing that when you commit to us, we will commit to you as well. If you find a better deal with a locally-based lender, we’ll beat it.

Below you will find links to our mortgage lending portal. Please make a selection to learn more about purchasing or refinancing your home at Leaders, and to begin your application.

*^Best Loan Pricing Guarantee only applies to conventional purchase mortgages or refinanced mortgages on your primary residence. To qualify for this guarantee, the following must be met: (1) you must provide a locally-based, licensed lender's system-generated Loan Estimate (LE) stating the specific lender's name and dated within 1 business day of the pricing quoted by Leaders Credit Union (Leaders); (2) LE must have pricing for the same loan program offered by Leaders and such pricing must be equal to or less than the pricing quoted by Leaders; and (3) Leaders must be able to verify the accuracy of the other lender's pricing as stated on such LE. If you qualify for this guarantee, then Leaders, in its sole discretion, may either (1) offer the mortgage to you at a price that is $250 less than the other lender's pricing or (2) pay you $1,000 upon Leaders' receipt from you of proof of your loan closing with the lender that was used to qualify for this guarantee. For purposes of this guarantee, the following shall have the meanings set out herein: (1) "pricing" shall consist of the interest rate, points, and lender fees that are typically listed in the LE; (2) "locally-based" shall mean a licensed lender with a physical location within Leaders' market area; and (3) "proof of loan closing" shall mean a copy of the signed Note and of the Closing Disclosure, for the loan set out in the LE.

Home Equity SmartLine™

Put your home's value to work for you

Using your home's value is smart. Choosing a home equity line of credit that gives you the most control is even smarter. Leaders' Home Equity SmartLine™ allows you to use your home's value for home improvements, vehicle repairs, extra cash or as a emergency funding source. Here's what you need to know about our Home Equity SmartLine™:

  • Apply here, or by visiting any of our branches.
  • Lines of credit begin at $7,500 up to $200,000
  • Connect your Home Equity SmartLine™ to your Leaders checking account and make automatic advances to spend using your Leaders debit Mastercard®
  • You can receive an introductory rate for the first 12 months of 1.99% APR***
  • $199 closing cost applies to all lines of credit less than $50,000
  • The line of credit is amortized over 15 years, and you may make draws on the line of credit up to 7 years

Annual Percentage Rates (APR) are subject to change at any time. Rates shown are for well-qualified borrowers. Your actual rate will be determined by your credit worthiness and ability to repay. Rates are variable, based on Wall Street Journal Prime (as of 6/15/17, 4.25%) and are subject to change at any time. Smartline Home Equity Line: Rates as low as 1.99%. Rate shown is valid for the first 12 months on credit scores of 680 and higher. Rate is subject to change after the introductory period with a floor/ceiling rate of 3.50%/18%. Homeowner's insurance is required. All loans subject to credit approval. Rate shown is based on credit scores of 680 and higher. Homeowner's insurance is required.