Limited-Time Home Loan Offer
Up to $1,000 Off Closing Costs

Open the Door to More

Up to $1,000 Off Closing Costs on Fixed-Rate Mortgage and Home Equity Loans

Whether you're planning a home purchase, a refinance, or what's next for your home, now is a great time to make your move. For a limited time, get up to $1,000 off closing costs on fixed-rate mortgage loans and home equity loans. With competitive rates, personalized service, and a local team by your side, we’re here to help you move forward.

15-Year Fixed Mortgage
Rates as Low as
5.750% | 5.821% APR

Home Equity Loan
Rates as Low as
6.860% APR

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Check Out Home Equity Rates

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Why Finance Your Home Loan with 1st United?

Competitive Fixed Rates

Keep your payments affordable

Up to $1,000 Off Closing Costs

Limited-time offer on fixed-rate mortgage loans and home equity loans

Local Service

Guidance from a team you can trust

Access the rates, guidance, and local support you need to move forward with confidence.

Get Started Online Today

We're Your Home Lending Neighbor!

APRs (Annual Percentage Rate) as of May 13, 2026. 1st United CU membership required to obtain credit. All loans subject to credit approval. Mortgage Loan: Featured rates available as of 4/1/26. Rates offered to approved applicants may be higher. Available rates and terms subject to change without notice. Loan closing cost credit available on approved applications received from 4/1/26 through 6/30/26 for 15- and 30-year fixed-rate loans secured by first lien on California owner-occupied residence. Property eligibility restrictions apply; ask for details. Closing cost credit will not exceed the lesser of estimated closing costs (excluding appraisal cost) or $1,000. Applicant must pay separately for full appraisal. 15-year loan payment sample: $417.11 per month for each $50,000 borrowed at 5.821% APR for 15 years. 30-year loan payment sample: $309.39 per month for each $50,000 borrowed at 6.297% APR for 30 years. Sample payments exclude impound items such as property tax and insurance; total monthly housing payment obligation will be higher. Home Equity Loan: APR (Annual Percentage Rate) is valid up to 80% combined loan-to-value (CLTV) on primary homes and up to 75% for second or investment homes. Up to $1,000 Off Closing Costs: Offer valid on fixed home equity loans for applications submitted from April 1, 2026, through June 30, 2026. Loan must close within 60 days of the application date to qualify. Investment property rates available. Minimum loan amount $10,000. Rate may increase depending on your credit qualifications. $115.39 per month for each $10,000 borrowed at 6.680% APR for 120 months. Closing costs include: $425 processing fee for loan amounts up to $250,000; $600 processing fee, $575 underwriting fee, $81 tax service fee, and $25 wire fee apply, plus appraisal and title fees for loan amounts over $250,000. A full appraisal is required for loan amounts over $400,000. Maximum closing cost credit lesser of $1,000 or actual costs excluding appraisal. Borrower must pay for appraisal separately. California properties only. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties. 1st United Credit Union membership required to obtain credit.
Equal Housing Lender. NMLS# 594075.