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Lauren LaBonte

Senior Mortgage Advisor
NMLS# 586485
757-718-3813
Get Started: Mortgages

About Lauren

Every purchase is unique, and having an experienced, responsive lender can make all the difference. I work closely with your realtor to ensure a smooth, seamless process—from the first look to handing over the keys.

As a true local with 20 years of experience in the financial industry, I know the Hampton Roads market and its unique challenges. Whether you’re a first-time homebuyer or exploring investment property strategies, I’m here to help you navigate the maze of mortgage options with clear, personalized guidance.

Getting a mortgage doesn’t have to be stressful—you just need the right people on your side. Unlike many lenders, I don’t work a strict 9-to-5 schedule, because that’s not when most people buy homes. Life happens outside business hours, and I’m here when you need me. 

Let’s start with a quick 10–15 minute chat to discuss your goals and see what makes the most sense for you.

Fixed-Rate Mortgage

A fixed rate mortgage is the most popular type of loan program that Kearny Bank offers. With a fixed rate product, you get the security of a consistent interest rate (and payment) over the entire life of your loan. The overall interest you will pay on a fixed rate mortgage will depend on the overall term of the loan. See our great mortgage rates here.

 

Adjustable-Rate Mortgage (ARM)

Kearny Bank offers 1, 3-, 5-, 7-, and 10-year adjustable-rate mortgage programs (also known as an ARM program). An adjustable-rate mortgage is a type of loan product that offers an interest rate that is lower than your standard fixed rate loan. The difference here is that the interest rate can change over time. Higher interest rates in the future could potentially lead to a higher mortgage payment for you down the road. In essence, you’re receiving a lower interest rate now (and paying a lower rate now) in exchange for the risk of a possible rate increase in the future.

 

Financial Calculators

Our financial calculators are designed to be a tool to help you determine your potential monthly payments on one of our mortgage loans or home equity loan or line of credit prior to you visiting one of our branches to talk with a specialist.

Financial Calculators

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