Home Refinance

Make the most of your money - let us show you how! Reduce your current interest rate, obtain cash, consolidate mortgages, change your loan type or term or consolidate your debts. Contact an LBS Financial loan specialist to guide you through the process.

Products Available

Fixed Rate Mortgages
Enjoy peace of mind throughout the years. 15, 20 and 30-year fixed mortgages are available at LBS Financial, giving you stability throughout the term of your loan. Your payment won't change and the rates won't go up as long as you're locked into a fixed rate mortgage.
 
  • Fixed processing cost of $1,600 includes appraisal
  • No pre-payment penalties
  • Impound accounts available
  • Loans up to $1,500,000
  • Cash available to 85% of home's value

Adjustable Rate Mortgages (ARM)
Lower initial rates are easier on the budget and may boost your buying power. More information
 
  • Fixed processing cost of $1,600 includes appraisal
  • No prepayment penalties
  • Impound accounts available
  • Loans up to $1,500,000
  • Low interest rate
  • Cash available to 85% of home's value

 

Click here to learn more about our 5/5 Affordable Adjustable Rate Mortgage. This home loan is ideal for many Members and can save you up to hundreds of dollars per month compared to a 30 year fixed loan.
 
We also offer VA loans! VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer home financing for American veterans and their surviving spouses. One of the best benefits of a VA home loan is that there is no down payment! There are no monthly mortgage insurance premiums to pay (no PMI) and interest rates are low.