1st Liberty Home Loan Benefit

Whether you are a first time homebuyer, looking to upgrade, refinance to a lower
rate and shorter term, start those home improvement projects, or want access to 
a convenient line of credit, 1st Liberty offers a variety of home loan solutions to
meet your needs. 

                        Great Rates - Competitive Closing Costs - Local Service


Thank you for choosing 1st Liberty Federal Credit Union.  In order to apply on-line, you will
need your membership number.  If you are not currently a member, please contact us at
(406) 761-8300 or br1mbrsvs@1stliberty.org to determine your eligibility for membership.

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Home Loan Solutions

Best For

Available Terms


*1st Liberty Fixed Rate Mortgages

Purchase; refinance; cash-out; debt consolidation; stable monthly payments; shorter repayment term; local servicing.

1st Mortgage: 8, 10, or 12 Years ($20,000 minimum loan amount).

2nd Mortgage: 5 & 10 Years ($10,000 minimum loan amount)


3.24% / 3.49% / 3.74%


2.99% / 3.99%

*1st Liberty Balloon Mortgage

Lower monthly payments and for those who plan to be in their home for 5 years or less; local servicing.

1st Mortgage: 5-Year balloon with a 30-Year payment amortization; fixed rate; minimum loan applies.


Home Improvement - FHA Title 1

Improvements to primary home; minimal or no equity; stable monthly payments; local servicing. 10 Years; fixed rate; up to $25,000 maximum loan amount


*Home Equity Line of Credit (HELOC)

Home improvement projects; tuition; special vacation; other unexpected expenses; revolving line of credit; repay and reuse; local servicing.

Line of Credit with 10-Year draw period; 10-Year repayment term; ($10,000 minimum loan amount).

4.5% - Variable

Government Loans - FHA First time homebuyers; low-to-moderate income; limited funds for down payment; lower payment over long term. 1st Mortgage: 15 & 30 Years; fixed rate; FHA insured

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Government Loans - VA Qualified veterans; purchase or refinance; no down payment; lower payment over longer term. 1st Mortgage: 15 & 30 Years; fixed rate; VA guaranteed.

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* 1st Mortgage: borrow up to 85% of the value of your home based on your credit history;

* 2nd Mortgage: borrow up to 80% of the value of your home based on credit history.

All loans are subject to underwriting approval.

For conventional 1st Mortgage terms in excess of 12 years please contact our home loan specialists at: mortgage.loans@1stliberty.org or call (406) 761-8300