We offer a variety of Home Loan Programs to meet your needs. Our Mortgage Loan Officers are ready to assist with all of our home loan programs. Whether you’re interested in buying your first home, upgrading to a larger home, refinancing your existing mortgage or taking advantage of the equity you’ve built, we have a mortgage lending solution for you. The following programs are available:
Fixed Rate First Mortgage
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15 year term for purchase or refinance
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Up to 80% loan to value financing
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Conventional
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No Points
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No Prepayment Penalties
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Owner Occupied/Primary Residence
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Property must be located within California
View Real Estate Loan Rates
Adjustable Rate First Mortgage
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A lower initial rate with the potential for future adjustments
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Rate adjustment caps limits the amount the rate can increase
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25 to 30 year term for purchase or refinance
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Conventional
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Finance up to 80% loan to value, up to 70% loan to value for investment property
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No points
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No Prepayment Penalties
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Available for Primary Residence, Vacation/2nd Home, and investment property up to 4 units
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Property must be located within California
View Real Estate Loan Rates
For our members interested in investment property with over 4 units in California, we may have a loan program available for you. There are additional requirements and restrictions for those types of loans so call the credit union for details.