Mortgage Loan Program for All LutheranFCU Members! | Lutheran Federal Credit Union
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Mortgage Loan Program for All LutheranFCU Members!

Whether you are a first-time homebuyer, moving to a bigger house, downsizing, or even refinancing your existing home, LutheranFCU has mortgage options available to fit your needs with conventional mortgage loans starting at $100,000.00. For assistance, please give us a call at (314) 394-2790 or email to discuss the different products available.

If you are ready to find more information about our mortgage loans, or apply online, click the button below to begin.


Rostered Church Worker (RCW) Mortgage Loans

In addition to our conventional mortgage loan programs offered to all of our LutheranFCU members, we are also excited to offer the Rostered Church Worker mortgage loan program in certain states through a relationship with the Lutheran Church Extension Fund. 

To see where you need to apply for an RCW mortgage loan, Click Here

Mortgage Loan Process

We want to make your mortgage loan experience as smooth as possible, so we have created a sample list of the minimum documents you will need during the mortgage loan process so you can be prepared:

  • Pay stubs covering most recent thirty days
  • W-2 statements covering the past two years
  • Bank statements covering the most recent two months (with all pages)
  • Purchase and sales agreement
  • 12 months cancelled rent checks or the name and address of your current landlord (if applicable)
  • Fully executed divorce decree (if applicable)
  • Homeowners insurance policy and most recent tax bill if you are refinancing (copies)
  • A letter explaining any known credit problems or fluctuations in income

If you are self-employed, paid by commission, or own real estate used for rental purposes you will need to produce:

  • Two years signed personal federal income tax returns including all schedules
  • If self-employed through a corporation, the last two years’ corporate returns as well as a year-to-date profit and loss statement and balance sheet

If you are retired, you will need to produce:

  • Two years of signed personal federal income tax returns, including all schedules
  • Most Recent 1099’s (if applicable)
  • Most Recent Pension or Social Security Awards Letter
  • 401k or Retirement Account Statement (if taking distributions)


 LutheranFCU Members with Mortgage Loans

For our members who have already obtained a mortgage loan with LutheranFCU, you may set up Automatic Payments by completing and returning the ACH form for MORTGAGE loans along with a voided check or you may set up a monthly Bill Pay using the following information:

Payee Name:          Lutheran Federal Credit Union

Account #:              Enter your mortgage loan number for the account #

Address:                PO Box 485

                               Basking Ridge, NJ 07920

Servicing Phone:  1-800-928-6263 

To view your mortgage account information online, please visit: 

NMLS #1301052