Essential Worker Mortgage Program
Making home ownership a reality for our everyday heroes.
We are committed to getting you into your dream home.
People helping people. It’s the credit union philosophy, and one we firmly stand by. In exchange for your tireless service, let us take care of you by getting you into your dream home.
We are proud to offer our Essential Worker Mortgage Program1 to those who show the utmost in courage and resilience in helping some of the most vulnerable, day in and day out.
Eligibility for Several Essential Worker Categories
including current or retired law enforcement officers, educators, health care workers, firefighters and other first responders, veterans or active-duty members of the U.S. military or their surviving spouse, and COVID-related essential workers2
Your customized mortgage program includes the following:
Discounted Rate
to lower your monthly payment
Up to 105% Financing
means less upfront funding needed
Loans to $750,000
to increase your home affordability
Credit Union Difference
we care for you like you care for others
What to expect from beginning to end
Buying a home is a big deal. Whether it’s your first home or your retirement home, this is one purchase that should never be taken lightly.
Learn more about the Lafayette Federal mortgage process, and how we help you finance a home loan from beginning to end.
The Lafayette Federal mortgage process
We make the mortgage process as easy as opening the door to your home!
Compare loan programs, rates and terms
Our team will work with you to weigh your options, consider different terms, and find the perfect rate so you can get the best deal possible.
Apply for a loan
Conveniently complete your mortgage application online with the help of one of our Mortgage Loan Officers.
Provide supporting documents
Gather all the documentation needed including tax documents, income statements, and more so we can successfully process your application.
Get pre-approved
Once you’re pre-approved, you’re halfway there! We’ll confirm how much home you can afford.
Lock in your rate and get final approval
Our team will work with you to find the best rate long-term, and you’ll get final approval.
We provide final loan documents for review
We’ll prepare all the loan documents so you can sign on the dotted line and head towards closing on your new home!
Close on your home
Congratulations! It’s closing time and it’s time to open the door to your new home.
Enjoy your happy place
Make your house a home with a fresh coat of paint or upgraded kitchen appliances. After all, it’s yours! And remember that we’re here to help you with any home improvement or upgrades you’d like to make in the future.
Earn thousands in Cash Rewards with Lafayette Realty Rewards
Take advantage of our free member service that can help you buy, sell, and save on your next home.
Our members say the nicest things.
Lafayette Federal has been my trusted credit union for the last 34 years, providing for me while I served both overseas and here in the United States! You have helped me to plan for the future, finance mortgages, fund my business start-up, and save for retirement. Thanks for being my bedrock as I now look forward to enjoying this next phase of my life!
Brian R. Member for 34 Years
Meet our mortgage team.
Ready to close on your mortgage quickly? We can get your mortgage approved in minutes, rather than days or weeks! We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage. We’re always just a call or email away!
Robert Nusgart
Cell: 410-245-3758
Office: 240-747-2482
Jermaine Medley
Tip Fishburn
Cell: 202-819-1407
Office: 240-747-3173
Margaret Smith
Cell: 410-430-2824
Office: 240-747-3176
Tim Spaniol
Cell: 804-944-4912
Office: 240-747-3374
Home financing advice
Explore our blog for resources on the home buying process, practical advice, and tips for securing a mortgage that works for you and your family.
How to Use a HELOC: Smart Ways to Leverage Your Home Equity
As you pay down your mortgage and your home’s value changes, you build equity that can potentially help you fund major expenses, consolidate debt, make improvements, or prepare for unexpected costs. One way to access that equity is through a Home Equity Line of Credit (HELOC). A HELOC is a revolving line of credit secured by your home. Unlike a traditional…
Read more
Housing Market Update – August 2026
Mortgage rates have remained elevated in recent months, leaving many prospective homebuyers wondering when (or if) they’ll see meaningful relief. While rates can change quickly in response to economic and market conditions, several factors are currently keeping upward pressure on borrowing costs. So, what’s keeping rates from falling more quickly? There are a few key…
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What to Know About a Home’s HVAC System
You must consider various factors, including location, neighborhood, layout, number of bedrooms and bathrooms, and even school districts. Not to mention that you need to evaluate essential features such as storage, amenities, or even finishes on the newly renovated kitchen. But savvy home buyers know that some of the most important things to check are…
Read moreThere’s even more to explore.
Homeowner’s Insurance
Get exceptional savings and trusted service so you can protect your home. Plus, get a discounted rate just for being a Lafayette Federal member.
Life and Family Insurance
Protect the people who matter most to you when you secure a life insurance plan with Lafayette Federal. We offer various options with endless possibilities to help you take care of your family.
Ready to apply for an Essential Worker Mortgage?
Back to top Disclosures
Equal Housing Lender. NMLS#: 464425
¹Offer applies to a 5/5 Adjustable Rate Mortgage (ARM) only. ²Lafayette Federal Credit Union employees, family members, and volunteers, in addition to employees of other financial institutions, are excluded from offer. Other restrictions may apply. Must be eligible for membership. $50 minimum balance required to open and earn 0.10% APY (APY = Annual Percentage Yield) on share savings account balances. $5 minimum balance required to open and earn 0.025% APY on checking account balances. Dividends are compounded and paid monthly on the first day of the next dividend period. Rates current as of December 20th, 2024 and subject to change without notice. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government. Lafayette Federal Credit Union is an equal housing lender. NMLS# 464425.