Home Loans

Low-Cost Loans for All Your Borrowing Needs

Your Credit Union membership lets you take advantage of our low-cost loans. From personal loans, credit cards and vehicle loans to home loans and home equity loans, we offer it all...at some of the best rates around. With our tiered-rate financing, even members with credit problems may still qualify for loans at competitive rates.

Apply online for a quick decision and more with anytime eXpress!

First Mortgage

First mortgages are available for purchase and refinance. Amounts up to $1,000,000 with terms up to 30 years. Call us at 800.894.1200 for competitive daily quotes of fixed rates at various fee and point combinations. Apply online with anytime eXpress. Certain fees, conditions, and restrictions may apply.


Rates effective as of


*APRs for Conforming loans are based on a loan amount of $417,000
APRs for Non-Conforming loans are based on a loan amount of $500,000

Rates quoted are for owner occupied purchase and no-cash out transaction, please refer to footnote for add-on fees or points.

Rates quoted are applicable only for loans 80% LTV and below. Please call 800.894.1200 x8264 for rates above 80%LTV.

Loans $417,000 and below are conforming.
Conforming loan limits:
1 Unit (SFR) - $417,000
2 Unit - $533,850
3 Unit - $645,300
4 Unit - $801,950

Loans over the above loan limits are considered non-conforming.
Non-conforming loans $650,001 - $1,000,000 loan amount add 0.25% to the rate.
Non-conforming ARM loans add 0.25% to the rate of 1.000% to the points.

Second vacation homes add 1.000% to the rate, maximum 15 year financing. Cash-out refinances add 1.000% to the points. California condominium check with mortgage lending for current pricing.

Fees
Other fees may apply such as Escrow $500, Appraisal $300 - $700, Title fees $415 - $3,000 depending on loan amount, Recording fee $70, Flood determination fee $22.50, Doc fee $350, Underwriting fee $150.

The published rates listed are the best rates we offer based on current market condition, These rates are subject to change daily without further notice. The actual interest rate will be based on your credit score, appraised value of your home and will be determined at the time of lock in.

Please contact the real estate department for more details at 1-800-894-1200 ext 8264.


Home Equity Line of Credit Variable Rate

Our Home Equity Line of Credit or Home Equity Loan allows you to borrow against your home's equity and take advantage of one of the few remaining tax deductions. Interests on a Home Equity Line or Loan is generally tax-deductible up to $100,000 (consult your tax advisor). Use the cash for home improvement, tuition or other major purchases; or use the money to pay off higher interest debts and you may save hundreds of dollars per year. Best of all, we have great rates and programs. Apply online with anytime eXpress.

Fixed Rate 2nd Mortgage Home Equity Loan

A fixed rate loan secured by a 2nd trust deed. The following single family residences in California or Arizona are eligible: Owner occupied residences and a vacation home for personal use (not a rental). On approved credit, members may borrow from $10,000 to $250,000 (up to 80% of appraised value under certain circumstances). Terms of 5, 10, and 15 years are available. For more information, contact your Credit Union. Apply online with anytime eXpress.



Rates effective as of





Rates effective as of





Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account.

What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documentation.



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Disclaimer: LA Financial Credit Union is not responsible for the privacy practices or the content of web sites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the LA Financial Credit Union web site, we cannot guarantee that all information is current. Please contact the Credit Union call center directly for the most current information at 626.792.7441 or Toll-Free 800.894.1200.