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Mortgage Loans
15-Year Fixed-Rate 1st Trust Deed - Apply for a 15-Year Fixed Rate Loan
A fixed-rate loan is ideal for people who want the security of a fixed rate that stays the same for the life of the loan. When the market fluctuates your rate remains the same, providing peace of mind and the security of a fixed rate. Plus, you'll pay less interest with a 15-year loan than a 30-year loan.- Owner-occupied primary residence, including 1-4 unit properties, approved condominiums and PUDs
- Terms up to 15 years
- Borrow up to 80% loan-to-value
- Minimum loan amount $5,000; maximum $417,000
- Low fees and closing costs
- Refinancing available
- Convenient repayment services
- Life & disability insurance available
5-Year Call Option - Apply for a 5-Year Call Option Loan
This type of loan offers a lower rate than a conventional fixed-rate loan, and may have extra appeal to first-time home buyers or those who want to tap into the equity of their existing home. Every five years the credit union has the option to call the loan due and payable. You have the option to re-apply and qualify for any loan product available at that time. The lower rate of a 5-Year Call Option Loan allows you to enjoy maximum interest savings for at least five years, and possibly the entire term of your loan.- Owner-occupied primary residence - 1st and 2nd Trust Deeds
- 15- and 30-year terms
- Borrow up to 80% loan-to-value (up to 80% combined loan-to-value for 2nd TD)
- Minimum loan amount $5,000; maximum $417,000
- Low fees and closing costs
- Convenient repayment services
- Life & disability insurance available
Additional Mortgage Loan Options - Apply for a loan through CU Members Mortgage
Through our partnership with CU Members Mortgage, you can have access to 15-and 30-year fixed-rate loan products that require as little as 3% down payment on the purchase price when the home is owner-occupied as your primary residecne - a real benefit to people who may not have the money for a large down payment.- Primary residence or vacation home with a loan-to-value higher than 80%
- Loans over $417,000
- Purchase or refinance of a 1-4 unit investment property (rental)
- Purchase or refinance of a property located outside of California
- Adjustable rate mortgages (ARM)
Owner-occupied Vacation Home - 1st and 2nd Trust Deeds
Apply for a 1st Trust Deed Vacation Loan
Call or visit us to apply for a 2nd Trust Deed Vacation Loan
The perfect option for those looking to purchase a second home.
- 30-year term for 1st TD; 15-year term for 2nd TD
- Borrow up to 80% loan-to-value (up to 80% combined loan-to-value for 2nd TD)
- Minimum loan amount $5,000; maximum $417,000
- Low fees and closing costs
- Convenient repayment services
- Life & disability insurance available
Unimproved Property - 1st Trust Deed - Call or visit us to apply
If you are interested in purchasing a piece of property to build on or improve at some point in the future, our Unimproved Property Loan can help make it happen.
- 30-year term
- Borrow up to 60% loan-to-value
- Minimum loan amount $5,000; maximum $200,000
- Low fees and closing costs
- Convenient repayment services
