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NOFFCU Home Loans

Consider your credit union first when you are looking for a home loan. Whether you are thinking about repairs or bill consolidation, we have a loan for you!

Home Equity Loan*

Use the equity in your home to borrow at low rates.

  • Fixed rate, closed-end loan second mortgage loan
  • Loan amounts from $15,000 to $150,000
  • Competitive rates and repayment terms up to 180 months
  • No pre-payment penalties
  • No points or origination fees
  • Apply Today!

*Single family owner-occupied residences located in Louisiana and Mississippi

Find out more about NOFFCU home loan conditions.

Home Equity Line of Credit *

  • Variable rate, open-end second mortgages
  • Interest only payments during the 5 year draw period
  • Loan amounts from $15,000 to $150,000
  • Repayment term up to 15 years after the draw period expires
  • No annual fees and no pre-payment penalties
  • No points and no origination fees
  • Competitive rates
  • Apply today!

*Single family owner-occupied residences located in Louisiana and Mississippi

What you should know about home equity lines of credit

Vacant Land Loans

  • Purchase primary residence vacant land (excluding Mobile Homes and Trailers)
  • Borrow from $15,000 to $150,000
  • Competitive rates and terms up to 180 months
  • Low monthly payment
  • Up to 85% financing of purchase price or appraised value, whichever is less with approved credit
  • No pre-payment penalties
  • 1% origination fee 

1st Mortgage In-house Loans

  • 15 year fixed rate loan to purchase or refinance your home
  • Borrow up to 80% of the purchase price or appraised value, whichever is less with approved credit
  • No discount points  
  • No pre-payment penalties
  • Contact us for current rate information or to apply today


Have a problem with or question about your existing NOFFCU mortgage? Get an answer by sending us a Qualified Written Request - Click here for more information


First Time Members, Please Use Your HOTLINE PIN Code as Your Password.


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