Home Loans from a Trusted Local Source

LBS Financial Credit Union has been in Southern California for 80 years, providing competitive rates, programs and servicing all of our own home loans. If you’ve ever had the experience of financing a home loan in the past, you know what this means. Often a lender will provide you with a loan and immediately sell it to another bank/lender. Suddenly, you have no idea who you are making your payments to and it is not the organization you signed your paperwork with and trusted. With LBS Financial, you can find comfort in knowing we will be there to support you and your home loan for the duration of your loan.

5/5 Affordable ARM - Great Rates with No Points!





Take advantage of LBS Financial's Affordable 5/5 Adjustable Rate Mortgage with no points. Loan amounts up to $625,500** at conforming loan rates and only 5% down (95% Loan-to-Value) required.


  • Enjoy a low introductory rate with fewer adjustment periods from LBS Financial Credit Union! If you are planning to live in your home for only 5 to 10 years, why pay more to fix your rate for a full 30 years?
  • Your home loan will be fixed at our low initial rate for the first five years. On the fifth year anniversary date, the loan adjusts to a new rate for another five years. The loan will adjust once every five years thereafter.
  • The maximum lifetime adjustment will never exceed 5% over the initial rate. The rate can adjust up or down, depending on current market rates, a maximum of 2% during an adjustment period. LBS Financial’s ARM loans are completely straightforward with no negative amortization, no balloon payments and no pre-payment penalties.
  • No closing cost option also available for loan amounts between $250,000 - $625,500.


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Find out why we’ve been voted the Best Credit Union in the Greater Long Beach area for the last five years. Apply today or compare rates to get started.


We are only a phone call away. If you have any questions about the loan process, please contact 800.527.3328, ext 5272 or 5277. 


*Rates quoted as of 11/10/15 and subject to change without notice. Single family residence 1-4 unit owner occupied (no mobile homes) at 80% LTV or less (Cash out limit is 75%). APR= Annual Percentage Rate and can vary depending on the type of property and the loan type/term. At a 3.250% initial interest rate, the APR for this loan type is 3.3356% and can increase. The interest rate is fixed for the first five years. After that, the interest rate can increase or decrease up to 2% once every five years, with a lifetime cap of 5% over the initial rate. These rate increases are based on a margin and an index (rounded to the nearest 1/8th). The index we use is the Five-Year Constant Maturity Treasury (CMT) index and the margin we use is 1.75%. The current CMT index rate as of 11/9/15 is 1.64%. A 5/5 loan for $400,000 at a 3.350% APR, would have a monthly payment of $1,740.83 per month for the first five years. On the fifth year anniversary, the loan will adjust to a new rate based on the then current index and margin, and is then fixed at that rate for another five years (with a total of six adjustments over a 30 year period). All loans are subject to credit approval and appraisal. ** $625,500 is the conforming loan limit for Los Angeles and Orange Counties. Limit may be different based on location. *** You need not be a Member to apply for a home loan at LBS Financial. Your lifetime Membership begins with a $5 minimum Share Savings deposit plus a one- time Membership fee of $1.


NMLS #431666


Accepts Deposits: Yes

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