Home Loans
Home Mortgages
Our credit union Mortgage Loan Officers are ready to assist with a variety of 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.
Home Buying and Selling Has Rewards
Enjoy the convenience of accessing everything you need to buy or sell your home in one place - a free benefit for credit union members. Home Rewards helps you find the right home with expert guidance, and those who enroll and utilize the Home Rewards program are eligible to earn a rebate up to 25% of the agent's commission.
| Type | Key Features |
|---|---|
| Home Loans |
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| Adjustable Rate Mortgage (ARMs) |
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| Fixed Rate Mortgages |
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| 80/10/10 Loan Program |
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| VA Loans |
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Questions?
Contact one of our real estate specialists or use a mortgage calculator to guide your decision making
- How much will my mortgage payments be?
- What home can I afford?
- Compare 15 Yr Vs. 30 Yr mortgage calculator
- Adjustable Rate Mortgage Calculator
- More calculators
Home Loan Resources
- Visit the home loan process page for application and appraisal information
- If you’re having financial difficulty, we want to help
- Protect your investment with Homeowners Insurance at an exclusive member discount
- Save for a down payment on a home with savings or money market accounts
See our rates and terms for all home loans here.
Terms & Conditions
All loans subject to approval.
1 California Credit Union will pay your non-recurring closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification, and recording fees up to an amount of $10,000 or the amount charged by the service providers, whichever is less. If you pay this loan off earlier than the 36-month anniversary date of the loan closing, you will be obligated to pay California Credit Union a prorated amount of the closing costs. This amount will be added to any loan payoff amount requested prior to the 36-month anniversary date. This does not include prepaid interest, homeowner’s insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer tax. Other restrictions may apply. Offer good for a limited time only and is valid on owner-occupied purchases or refinances from another institution and does not apply to the refinance of an existing California Credit Union mortgage. Multiple fixed-rate loan options are also available. All loans subject to approval. Rates, terms, and conditions are subject to change.
2 As of May 23, 2017, a sample principal and interest payment on a $300,000 fixed-rate loan at 4.083% annual percentage rate for 30 years was $1,410.71. This payment example does not include mortgage insurance; actual payment will be higher. These loan offers are subject to credit approval and satisfactory appraisal. No application fee. Other restrictions may apply. Programs, rates, terms, and conditions are subject to change.
