Committed to exceptional service and personalized home loan solutions, we bring ease to your homeownership journey. As op said in the comments.They take the directors loan and then declare it as dividends at the end of the year. The LACDA's HOP80 and HOP120 Home Ownership Programs provide a second mortgage loan for first-time homebuyers. What are the requirements to obtain a license to engage in the business of deferred deposit from the Department of Financial Protection and Innovation? LAFCU offers mortgage solutions at some of the lowest home loan interest rates around. Use our online calculators for your savings and apply today! Mortgage lending solutions to fit your needs. We offer competitive rates, purchase or refinance options and personalized solutions.