LOANS

Home Loans

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.
Home Equity Line of Credit. 3.99% APR* Receive a lower APR for the first 6 months of your HELOC* *Learn More. *Click Learn More for full terms and conditions and to view current prime rate, which will be applied after promotional period has ended. Federally Insured by NCUA.

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: Achieve your dream of homeownership with a down payment as low as 3%. Plus, some first-time California homebuyers with low to moderate income may be eligible for down payment assistance.
  • Conforming, super conforming, and jumbo loans up to $2 million.

*Properties outside of California and Arizona will be considered if the borrower meets membership qualifications.

NMLS# 556326

Looking for something else? We also offer...

  • Federal Housing Administration (FHA) loans for California and Out-of-State.
  • Veterans Affairs (VA) home loans for California and Out-of-State.
  • Conventional and jumbo loans for Out-of-State.
Refinance Your Mortgage

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

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.

Mortgage Rates

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

Manage my mortgage

Need to check on a payment, see your bill, or download tax forms? Current members, log in to manage your mortgage.

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.