Financing your home is one of the biggest financial decisions you’ll ever make, but getting a mortgage doesn’t have to be stressful or difficult. Whether you’re buying a new home, refinancing your current mortgage, or opening a home equity line of credit (HELOC), we have a loan option to fit your needs.
As a local credit union, we offer some of the best rates in the business and are committed to guiding our members every step of the way with personalized service. Our deep community roots and commitment to building strong financial futures mean we’re a great partner for any home loan — including yours.
Here are just a few home loan types we can help you consider
- Home purchase* or refinance: As a credit union, we have better rates than big banks — ours are some of the most competitive around. And we offer 90% loan-to-value financing with no private mortgage insurance requirement on 7/1 adjustable rate mortgages (ARMs).
- First-time home purchase: You can achieve your dream of homeownership for a down payment as low as 3%. Plus, first-time buyers with income below the LA county median may be eligible for a grant up to $22,000.
- Conforming, super conforming, and jumbo loans up to $2 million.
- Plus, we have a variety of special offers such as loan cost and real estate commission rebates.
*Properties outside of California and Arizona will be considered if the borrower meets membership qualifications.
Refinance your mortgage
Compare your current loan with a new refinanced rate to see how much you could save in monthly payments.
Home Equity Line of Credit
Learn how you can borrow up to $250,000 against your home equity to make home improvements, pay off debts, or make a major purchase. Even better? Your mortgage can be with any bank and you can still take advantage of our competitive rates and excellent customer service.
Wish Program: Down payment assistance for first-time homebuyers
If you’re a first-time home buyer and have an income below 80% of the LA-area median income, you may be eligible for grants up to $22,000 on your first home. To learn more, please call our real estate team at 626-204-6781 and let them know you’d like more information on the Wish Program.
Mortgage rates
As a credit union, we’re able to offer much more competitive rates than traditional banks. Check out our complete list of fixed and adjustable-rate mortgages. Not sure where to start? Give us a call to get personalized service and discuss the best rate options for you.
Manage my mortgage
Need to check on a payment, see your bill, or download tax forms? Current members, log in to manage your mortgage.
Get started today
QUESTIONS?
We’re right here and ready to help.
Give us a call, drop in and see us, or provide your contact information and we’ll reach out.
(800) 894-1200
Locations
Contact meCurrent mortgage rates
Fixed Rate 1st Mortgage Products Rates
Rates effective as of September 23, 2022| Loan Type | Term | Rate | Points | APR* | Monthly Payment per $1,000.00 Borrowed |
|---|---|---|---|---|---|
| Conforming Fixed Rate | 30 Years | 6.750% | 0.000 | 6.816% | $6.49 |
| 6.500% | 0.875 | 6.661% | $6.32 | ||
| 20 Years | 6.500% | 0.000 | 6.583% | $7.46 | |
| 6.125% | 1.000 | 6.332% | $7.24 | ||
| 15 Years | 6.125% | 0.000 | 6.227% | $8.51 | |
| 5.875% | 0.875 | 6.132% | $8.37 | ||
| 10 Years | 6.000% | 0.000 | 6.142% | $11.10 | |
| Super-Conforming Fixed Rate | 30 Years | 6.750% | 0.250 | 6.803% | $6.49 |
| 6.500% | 1.125 | 6.718% | $6.32 | ||
| 20 Years | 6.500% | 0.250 | 6.566% | $7.46 | |
| 6.125% | 1.250 | 6.406% | $7.24 | ||
| 15 Years | 6.125% | 0.250 | 6.205% | $8.51 | |
| 5.875% | 1.125 | 6.222% | $8.37 | ||
| 10 Years | 6.000% | 0.250 | 6.112% | $11.10 | |
| Jumbo Fixed Rate (NEW) | 30 Years | 6.750% | 0.000 | 6.794% | $6.49 |
| 6.750% | 0.875 | 6.877% | $6.49 | ||
| Conforming ARM | 5/1 ARM | 4.625% | 0.000 | 5.906% | $5.14 |
| 4.375% | 0.875 | 5.798% | $4.99 | ||
| 7/1 ARM | 4.750% | 0.000 | 5.739% | $5.22 | |
| 4.500% | 0.875 | 5.612% | $5.07 | ||
| 10/1 ARM | 5.000% | 0.000 | 5.630% | $5.37 | |
| 4.750% | 0.875 | 5.474% | $5.22 | ||
| Super-Conforming ARM | 5/1 ARM | 4.625% | 0.000 | 5.894% | $5.14 |
| 4.375% | 0.875 | 5.780% | $4.99 | ||
| 7/1 ARM | 4.750% | 0.000 | 5.727% | $5.22 | |
| 4.500% | 0.875 | 5.593% | $5.07 | ||
| 10/1 ARM | 5.000% | 0.000 | 5.619% | $5.37 | |
| 4.750% | 0.875 | 5.456% | $5.22 | ||
| Jumbo ARM | 5/1 ARM | 4.625% | 0.000 | 5.888% | $5.14 |
| 4.375% | 0.875 | 5.770% | $4.99 | ||
| 7/1 ARM | 4.750% | 0.000 | 5.720% | $5.22 | |
| 4.500% | 0.875 | 5.584% | $5.07 | ||
| 10/1 ARM | 5.000% | 0.000 | 5.612% | $5.37 | |
| 4.750% | 0.875 | 5.446% | $5.22 | ||
| 5/5 ARM | 4.750% | 0.000 | 5.935% | $5.22 | |
| 4.500% | 0.875 | 5.824% | $5.07 | ||
| *APR = Annual Percentage Rate. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice. | |||||
| APRs for Conforming loan programs are based on a loan amount of $400,000.00. Super Conforming loan programs are based on a loan amount of $625,500.00 and Jumbo loan programs are based on a loan amount of $900,000.00. Rates quoted are for owner occupied purchase and refinance no-cash out transactions secured by a Single Family Residence, LTV of 60%, FICO of 740 and a 45 day rate lock. Minimum loan amount for Conforming loan programs is $50,000.00. | |||||
| Our ARM loans have a fixed rate for 5, 7 or 10 years. After the initial 5, 7 or 10 years, the rate can change once every year for the remaining life of the adjustable-rate mortgage. When the rate changes, the monthly payments will increase if rates go up and decrease if rates fall. Rate changes can occur annually according to the market index. For ARM interest rates, at adjustment, the new mortgage rate will be the weekly average yield on United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board, plus a margin of 2.750% subject to annual and lifetime adjustment caps. | |||||
| Interest rate and APR is based on current market rates, for properties located in the states of California and Arizona. These rates are not guaranteed and are subject to change without notice and may be subject to pricing add-ons related to property type, loan-to-value, credit score, occupancy type, and other variables. Monthly payment does not include taxes or insurance so the actual monthly cost may be greater. This is not a credit decision or a commitment to lend. Please note loan limits vary by units and county | |||||
| Fees: Closing costs include but not limited to appraisal fee, document preparation fee, flood certification fee, recording fee, and title charges, additional fees may apply. Appraisal and Credit Report fees are collected prior to loan processing.
Refinance Transaction: All closing cost fees except for the Appraisal and Credit Report fees may be rolled into the loan or paid out of pocket. Purchase Transaction: Appraisal and Credit Report fees are collected prior to loan processing; all remaining closing costs must be paid out of pocket at time of closing. |
|||||
| 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 and subject to credit approval. The actual interest rate is eligible for rate lock at time of final credit approval and upon receipt and verification of all required documentation. Contact one of our Mortgage Loan Originators for additional details at 800-894-1200 ext. 1883. | |||||
Fixed Rate 2nd Mortgage Products
Rates effective as of September 23, 2022| Loan Type | Term | Rate | Points | APR* | Monthly Payment per $1,000.00 Borrowed |
|---|---|---|---|---|---|
| Fixed Rate | 5 Years | 7.250% | 0.000 | 7.705% | $19.92 |
| 10 Years | 7.750% | 0.000 | 8.002% | $12.00 | |
| 15 Years | 8.250% | 0.000 | 8.438% | $9.70 | |
| 20 Years | 8.500% | 0.000 | 8.656% | $8.68 | |
| Fixed Rate 2nd Mortgage APRs are based on a loan amount of $100,000.00. Minimum loan amount $25,000.00. Maximum CLTV 90%. Applicant's rate may be higher and CLTV may be lower depending on credit profile and other qualification requirements. Rates quoted are for owner occupied transactions secured by a Single Family Residence. We will not subordinate to a negative amortization or interest only loan. | |||||
| These rates are subject to change daily without further notice and subject to credit approval. Call the Credit Union for the most current rates. Other conditions and restrictions may apply. | |||||
Home Equity Line of Credit
Rates effective as of September 23, 2022| Loan Type | Term | RATE as low as | Index | APR* | Monthly Payment per $1,000.00 Borrowed |
|---|---|---|---|---|---|
| Variable | Draw period 5 Years; repayment period 10 Years | 6.250% | Prime | 6.250% | $12.50 |
| Minimum credit limits $25,000.00. Maximum CLTV 90%. Minimum floor rate 3.250%; Maximum cap rate 18.000%. Applicant's rate may be higher and CLTV may be lower depending on credit profile and other qualification requirements. Rates quoted are for owner occupied transactions secured by a Single Family Residence, LTV 80% and below. We will not subordinate to a negative amortization or interest only loan. Rate is variable, and is based on the Prime Rate Index published in the Wall Street Journal and is subject to change after consummation. Payment is based on 1.25% of the actual balance at the end of each cycle month. | |||||
| These rates are subject to change daily without further notice and subject to credit approval. Call the Credit Union for current rates. Other conditions and restrictions may apply. | |||||
| Fees: Closing costs include but not limited to appraisal fee, document preparation fee, flood certification fee, recording fee, and title charges, additional fees may apply. No cash advance fees or withdrawal fees will ever be imposed. All Closing costs may be included into the loan or paid out of pocket except for the Appraisal and Credit Report fees. Appraisal and Credit Report fees are collected prior to loan processing. Minimum draw increments $500.00. | |||||
| Loan funding is subject to membership eligibility and credit approval. Membership is subject to eligibility. All new accounts will be verified and are subject to credit approval. Real Estate Loans are subject to credit approval. | |||||