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Lighthouse Credit Union
1A longer loan term may result in a lower monthly payment, but higher total interest paid over the life of the loan.
Our Pathways Service helps reduce financial barriers to homeownership by enabling friends and family to provide support in a way that is financially beneficial for you and those supporting you.
Already have a mortgage but exploring ways to reduce your monthly payment or pay it off sooner? Refinancing may be an option worth considering. Depending on your situation, you could:
Rates effective September 25, 2026
| Loan Type | Rate Type | Interest Rate | Points | APR |
|---|---|---|---|---|
| 15-Year Fixed Mortgage (Conventional) | Fixed | 5.88% | 0 | 6.20% |
| 30-Year Fixed Mortgage (Conventional) | Fixed | 6.50% | 0 | 6.71% |
| 20-Year Fixed Mortgage (Conventional) | Fixed | 6.38% | 0 | 6.65% |
| 40-Year Fixed Mortgage* | Fixed | TBD | 0 | TBD |
| Home 97 30-Year Fixed Mortgage | Fixed | 6.50% | 0 | 6.71% |
| Home 100 30-Year Fixed Mortgage | Fixed | 6.50% | 0 | 6.71% |
| Pathways Service 30-Year Fixed Mortgage** | Fixed | 6.50% | 0 | 6.71% |
| Jumbo 15-Year Fixed Mortgage | Fixed | 5.88% | 0 | 5.86% |
| Jumbo 30-Year Fixed Mortgage | Fixed | 6.50% | 0 | 6.57% |
| Construction Loan 30-Year Fixed Mortgage | Fixed | |||
| Jumbo Construction Loan 30-Year Fixed Mortgage | Fixed | |||
| 3/1 ARM (Conforming) | Variable | 5.38% | 0 | 6.47% |
| 5/1 ARM (Conforming) | Variable | 5.50% | 0 | 6.36% |
| 7/1 ARM (Conforming) | Variable | 5.63% | 0 | 6.25% |
| 10/1 ARM (Conforming) | Variable | 5.75% | 0 | 6.20% |
| 40-Year 7/1 ARM* | Variable | 5.63% | 0 | 6.25% |
| Pathways Service 10/1 ARM** | Variable | |||
| Pathways Service 7/1 ARM** | Variable | |||
| Home 97 10/1 ARM | Variable | 5.75% | 0 | 6.20% |
| Home 97 7/1 ARM | Variable | 5.63% | 0 | 6.25% |
| Home 97 5/1 ARM | Variable | 5.50% | 0 | 6.36% |
| Home 100 10/1 ARM | Variable | 5.75% | 0 | 6.20% |
| Home 100 7/1 ARM | Variable | 5.63% | 0 | 6.25% |
| HLPR 3/1 ARM*** | Variable | 4.63% | 0 | 5.86% |
| Land Loan 1/1 ARM | Variable | 9.50% | 0 | 9.92% |