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Caden Harris: A Young Pioneer of Financial Literacy and Entrepreneurship
Can you imagine being the CEO of your own company at 13 years old? That's the reality Caden Harris is crafting with his innovative 'Caden Teaches' initiative, a project captivating youngsters with the allure of financial wisdom. Caden has been featured on Good Morning America and spoken at institutions such as Rutgers University. Listen Now

Mortgage Loan Rates & Options

Buying a home? Stay local. We offer a variety of mortgage loan options to fit your needs.

Scan with your smartphone to apply for any of the mortgage products below

Purchase Power Mortgage

With 100% financing for purchases, a Purchase Power Mortgage is ideal for a first-time homebuyer.

  • No down payment required
  • Fixed interest rate
  • NO Private Mortgage Insurance (PMI) required
  • Seller contribution up to 6% allowed
  • Maximum loan amount $300,000
  • Maximum DTI (Debt to Income ratio) 40%

Requirements to qualify

  • Minimum mid credit score of 660
  • No slow payments in the last 24 months
  • Judgments, liens, collections, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full
  • No open or active mortgage allowed qualifying for the product
  • Minimum 25 months of verified employment in the same or related field
  • Two years W-2s and Tax returns required
  • Property must be located in East Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Iberville, Livingston, Pointe Coupee, or St. Helena parish
  • Property must be a detached single family dwelling (no condos/town homes/mobile or manufactured/modular homes)

Apply Now

*Other conditions may apply.

Lot/Land Loans

Purchase a lot or land prior to building.

  • Up to 100% financing available
  • Terms up to 12 years

Apply now
View Rates

*Other conditions may apply.

Jumbo Mortgage

For mortgages between $766,550 and $1,000,000.

  • Up to 85% financing available on purchases and all refinances
  • NO private mortgage insurance (PMI) required
  • Minimum credit score of 720
  • Primary residence only in the following parishes: East Baton Rouge, Ascension, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, West Feliciana

Apply Now
View Rates

*Other conditions may apply.

Conventional Mortgage Loans

Purchase and Refinance

With a wide choice of terms and competitive mortgage rates, our mortgage options work within your budget and fulfill your homeownership dreams.

• 10, 15, 20, or 30-year terms.
• Fixed rate financing.
• Multiple down payment options.

Apply Now
View rates

*Other conditions may apply.

Neighbors Federal Credit Union NMLS # 421676

Need help finding the account/product that is right for you?
Click on the Relationship Builder and answer a few simple questions to be guided to the accounts that best fit your needs.
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