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Mortgage Loans & Refinancing

Happiness is right around the corner

Focus on the joys of home buying.
We'll handle the paperwork!

As your friendly neighborhood credit union, our goal is to hand you the keys to financial success. That includes homeownership. Unlock the possibilities with a simplified online mortgage experience and a knowledgeable real estate team that takes the hassle out of buying a home.

Email us or call (800) 649-0193 to speak with one of our friendly real estate loan experts. We're happy to help.


Fixed-rate mortgages

A fixed-rate mortgage loan maintains its original interest rate throughout the entire life of the loan. Fluctuations in market rates, over the term of your loan, won't have any impact on the amount of interest you pay because the rate is already "fixed." Choose from 15- or 30-year terms.

A fixed-rate mortgage loan may be a good choice if you:

  • Want your interest rate and monthly payment to stay the same
  • Plan to stay in this home for several years
  • You don't expect your income to increase significantly in the coming years


Adjustable-rate mortgages

Adjustable-rate mortgages (ARMs) have a variable rate that is tied to the Prime rate. The lower starting interest rate and payment may help you get your foot in the door, but your rate and your payment may increase as time goes on. 

An adjustable rate mortgage may be a good choice if you:

  • Want more house for your buck
  • Want to keep your payments lower during the first few years of your loan
  • Plan to move into a different home within the next 10 years
  • Plan to pay-off your mortgage within the next 10 years
  • If, in the coming years, you expect your income to increase


Specialty loans

Through our mortgage partner, CU Homeland/American Pacific Mortgage, we offer a number of unique loans that may fit your particular needs. Email us or call (800) 649-0193 for help finding a loan to suit you.

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FHA  Loans

FHA loans are federally-insured mortgage designed to help qualified borrowers buy a home with less money down and lower credit.
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VA Loans

VA loans offer lower down payment options and are partially backed by the Department of Veterans Affairs. The loan is designed for veterans, restrictions apply.  
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First-Time Home Buyer

The more you know, the more confident you'll feel. That's why our mortgage partner offers special loan terms and educational programs.

Is now a good time to refinance my mortgage? 

Rates are at all-time lows. It's worth a conversation to see if we can lower your rate, shorten your term, or lower your payment. 

Call one of our friendly experts at (800) 649-0193  or email us for a free mortgage checkup.

APR (Annual Percentage Rate) as of August 4, 2021 . Rates change daily, please call (800) 649-0193, extension 4925 for today's rate.
Fixed-Rate Loans:
Rates valid up to 80% CLTV for primary residence and up to 75% for rental properties. Owner occupied single family residences, town homes, and condominiums in California only. No mobile or modular homes. Best rates are posted based on FICO score of 730 or higher. Rates may differ if the property is a triplex or fourplex. Lot size must be under five acres and not used for agricultural purposes. Rates subject to change daily.
Adjustable-Rate Loans:
APR (Annual Percentage Rate) subject to change without notice. Actual APR offered may differ depending on credit qualifications. All rates are subject to change without notice. Best rate requires FICO score of 730 or higher. Loans available up to $1,500,000.00 and valid up to 80% combined loan-to-value for primary residence and up to 75% financing for rental properties. Full appraisal required and must be paid out of pocket by the borrower. Closing cost are applicable and may be included in the loan amount with the exception of the full appraisal. Properties must be located in California. We do not finance mobile or modular homes. Rates may be higher for 2-4 unit properties.  7/1 ARM: Rate is fixed for seven years and is subject to adjustment every year thereafter. Rate adjustments are based on the 1-year Treasury Bill plus or minus a margin. Per annual adjustment cap is 2%. Lifetime cap is 6%.
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