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California and North Island Credit Union branches and Contact Center will be closed on Monday, May 27th in observance of Memorial Day. 

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Home / Personal / Loans / Home Loans

Home Loans

Home Loans and MLS Access

Special offer:
$0 closing costs on select mortgages1

We’ll pay up to $10,0001 of your closing costs when you select either a 5/5, 7/1, or 10/1 Adjustable Rate Mortgage (ARM), fixed for the first 5, 7, or 10 years. Offer good for a limited time and is valid for owner-occupied or second homes. 

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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.

View Current Rates   Loan Officers   

Home Rewards with free MLS access

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.

Learn more

 

Type Key Features
Home Loans
  • No application fees
  • No prepayment penalties
  • Financing up to 95% of home value
  • Cash out up to 80% of home value
  • Consolidate first and second mortgages and home equity lines of credit 
  • Portfolio lender
  • Documentation is required
  • Contact a Loan Officer
Adjustable Rate Mortgage (ARMs)
  • Standard, Hybrid, and 5/5 ARMS available
  • No closing costs1
  • Rate fixed for the first 5, 7, or 10 years
  • Financing up to 95% LTV (LTV’s greater than 80% require Mortgage Insurance)
  • Offer good for a limited time and is valid for owner-occupied or second homes
  • Contact a Loan Officer
Fixed Rate Mortgages
  • Conventional or Jumbo Mortgages
  • 15/20/30-Year Terms Available2
  • Purchase or Refinance
  • Primary Residence & Non-Owner Occupied
  • Contact a Loan Officer
80/10/10 Loan Program
  • 80% first mortgage, 10% second mortgage, 10% down payment
  • No PMI (Private Mortgage Insurance) so your monthly payment stays low
  • Fixed or adjustable rate
  • Owner occupied only
  • Purchase or refinance
  • Contact a Loan Officer
VA Loans
  • Zero down payment purchases
  • 100% cash out refinances
  • Acceptable debt-to-income ratios higher than conventional loans
  • Fixed and adjustable rate mortgages (ARMs) available
  • No monthly mortgage insurance required
  • No prepayment penalty
  • Contact a Loan Officer

 

Questions? 

Contact one of our real estate specialists or use a mortgage calculator to guide your decision making

Home Loan Resources

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 5/5, 7/1, and 10/1 ARMs (Adjustable Rate Mortgages) on owner-occupied purchases or refinances from another institution and does not apply to the refinance of an existing California Credit Union mortgage. All loans subject to approval. Rates, terms, and conditions are subject to change.

2 As of October 1, 2018, a sample principal and interest payment on a $300,000 fixed-rate loan at 4.921% annual percentage rate for 30 years is $1,564.94. 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.

Need to remodel your home?

A HELOC can help cover the costs.

Federally Insured by NCUA, Equal Housing Lender
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