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Home loans...

A home is more than a place to hang your hat. It’s a place for family nights and pillow fights. Whether you’re buying a new home, refinancing your existing home, or need a home equity loan, allow us to guide you through the process saving you time and money…so you can start making your own moments that matter.

Purchase Loans

Buying a home made simple

Our low rates and personal service make purchasing a home a pleasant experience. We will pre-approve before you shop, so you can narrow your search to a comfortable price range. Then, we work closely with you and your realtor through every step of the process to complete your purchase on time.

Refinance Loans

Refinancing made simple

The best time to refinance your home loan is when rates are declining. Lower rates mean lower payments, or you can keep the payment the same and reduce the amount of time required to pay off the loan. Refinancing is also a great option if you have an adjustable rate mortgage and rates start increasing. By opting for a fixed-rate loan, the payment will be the same every month. Refinancing is also a great way to access the equity or cash in your home which can be used for home improvement projects.

 
No Cost Refi Traditional Refi  Line of Credit Refi
Perfect for homeowners with a 5-7 year horizon. Think starter homes or accelerating payoff prior to selling. Perfect for lowering the current rate or payment. Convert an adjustable rate to a fixed rate. Perfect if you need to reduce monthly payments. Funds become available as the balance is paid down.
Current rates Current rates Current rates
Fixed-rate, fixed payment Fixed or adjustable rate options Variable rate line of credit
No points, no fees, no closing costs No points options or pay points to reduce the rate No points, no fees, no closing costs for loans up to $250,000
7- or 15-year terms Flexible terms Interest-only payments for up to 10 years followed by 15 years of fully amortized payments
Borrow up to 80% of the appraised home value for primary residences and up to 70% for second homes and investment properties Various loan to value options Borrow up to 80% of the first $500,000 and 70% on the remaining appraised home value to a maximum of $2,500,000
Available for California primary, second and investment properties Available for California; Colorado and Nevada properties Available for primary California residences only

Home Equity Loans

Home equity loans made simple

Your home is a great place for family gatherings and memorable moments, but it can also be a great source of cash. The equity in your home — the difference between what you owe and the market value — can be used for home improvement projects, education expenses or a trip of a lifetime. A home equity loan is best for a single, lump-sum expense. A home equity line of credit is ideal for ongoing projects or expenses. Both offer low rates.

 
Home Equity Line of Credit (HELOC) Home Equity Loan Home Equity Loan –
Second Home/Investment Property
Perfect for large projects or expenses which are spread over time. Funds become available as the balance is paid down. Perfect for one-time expenses or consolidating debt. Perfect for unlocking equity from second homes or investment properties.
Current rates Current rates Current rates
Variable-rate line of credit, payments may fluctuate Closed-end, fixed rate, payments stay the same Closed-end, fixed rate, payments stay the same
No points, no fees, no closing costs for loans over $15,000. Loans over $250,000 pay costs ranging between $1,000 - $2,500 No points, no fees, no closing costs for loans over $15,000 No points, no fees, no closing costs for loans up to $250,000
Interest-only payments for up to 10 years followed by 15 years of fully amortized payments Terms up to 15 years  Terms up to 12 years
Borrow up to 80% of the first $500,000 and 70% of the remaining appraised home value to a maximum of $2,500,000 Borrow up to 80% of the appraised home value less the first mortgage balance to a maximum of $2,500,000 Borrow up to 70% of the appraised home value less the first mortgage balance to a maximum of $2,500,000

Finding the right loan for you

The home loan process can be overwhelming. That’s why our dedicated team will work closely with you, one-on-one, to find the right loan for you. Whether you’re looking for a short-term loan, a traditional home loan or an adjustable rate mortgage, we’ll help guide you from start to finish.

Fixed-rate mortgage

Fixed-rate mortgages have a fixed amount of time to repay your loan. Typical fixed-rate repayment periods, or terms, are 15, 20 and 30 years. The interest rate for the loan is fixed, or remains the same, throughout the life of the loan. The monthly payment is calculated by using your loan amount, term and interest rate. Since the rate and term are fixed, your payment will remain the same for the life of the loan. Fixed rate loans typically make sense for someone who plans to stay in their home long-term or doesn’t like the risk associated with an adjustable rate mortgage.

Adjustable-rate mortgage

An adjustable rate mortgage is a loan that has a fixed rate for a period of time before the interest rate adjusts. For example, a typical ARM is a 5/1 loan. That means that the interest rate remains fixed for the first five years and can adjust annually each year after. Whether the rate adjusts up or down depends on economic conditions. ARMs typically make sense for someone who may not plan to remain in their home for a long period.

Jumbo loans

Jumbo loans are available for home loans that exceed $726,000. Jumbo loans are used to purchase high-priced, luxury homes in areas where home prices exceed the conforming loan limits. Typically, jumbo loans have different requirements when it comes to down payment or debt-to-income ratio.

FHA loans

FHA loans are mortgage loans that are insured by the Federal Housing Administration (FHA). Most FHA loans are for first-time homebuyers and require as little as 3.5% down. There are some stricter debt to income ratio requirements, but you do not need good or excellent credit to obtain a loan. As part of an FHA loan, borrowers are required to pay mortgage insurance (PMI) as part of their loan payment.

VA loans

VA loans help service members, Veterans, and eligible surviving spouses become homeowners. The Department of Veterans Affairs works with banks and credit unions to help provide loans that can be used to build, buy, repair, retain or adapt your home.

Get started

There’s a few things we may need in order to process your home loan application. We find that it’s helpful to start gathering these things ahead of time to simplify and move the process along:

  • Prior two months statements from each bank, credit union, mutual fund, 401k or retirement plans
  • W-2 forms for the past two years
  • Recent paycheck stub for each applicant
  • Signed Federal tax returns for the last two years including all schedules, worksheets, and attachments

 If you’re ready to start the process or would like to learn more, you can call a member service representative for more information.