Mortgage Center

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A Essential Federal Credit Union Loan Advisor will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Advisors are only a phone call away if you need help. Contact us at 225-353-8238.

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Essential Federal Credit Union Benefits

Still want to have personal assistance?

You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.

Ready to close on your mortgage quickly?

We can get your mortgage approved in minutes, rather than days or weeks!

Free Pre-qualifications

We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Advisor is always just a call or e-mail away!

Rate Watch

Sign up to have rates e-mailed to you. You may choose to have rates e-mailed to you when they reach your desired rate, or on a regular basis.

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Mortgage Calculators

Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.

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Loan Payment Options

The right Loan Officer can help make the process easy. Search for a Loan Officer now.

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Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.625%  5.125%  0.625%
 4.750%  5.233%  0.375%
20 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.913%  0.625%
 4.625%  4.996%  0.250%
15 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.526%  1.000%
 4.125%  4.595%  0.625%
10 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.692%  1.000%
 4.125%  4.763%  0.750%
Jumbo Smart Saver
 Rate  APR  Points
 5.300%  5.809%  0.875%
 5.350%  5.849%  0.750%

Personalized Quote