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Indigenous Peoples' Day- All offices closed

In observance of Indigenous Peoples' Day, all PremierOne Credit Union offices will be closed on Monday, October 13th, 2025. If you need to access your account, you can do so through Online Banking and our Mobile App, available 24/7.

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Home Loans

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Welcome Home! Mortgage Options That Work for You

At PremierOne Credit Union, we offer a variety of home loan options to meet your specific needs. Whether you're buying your first home, refinancing, or looking to tap into your home's equity, we have the right solution for you. Our personalized service, competitive rates, and convenient online application process make home financing easy and stress-free.

Check out our Mortgage Options

PremierOne Credit Union’s (NMLS) National Mortgage Licensing System Registries.
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First Time Home Buyer Program

If you're looking to buy a home for the very first time, our First Time Home Buyer Program may be the perfect fit for your mortgage needs. Program features:

  • Save up to $1,500 on closing costs1
  • 0.25% discount off your rate when completing the home buyer educational course online
  • Competitive rates, low fees, and a no-point program
  • Get pre-approved quickly and easily with local underwriting

For your convenience, our first mortgage application services are also available 24/7. To apply, please call us at 408-524-4500 or 1-855-500-7128 and press option #4.
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Fixed Mortgages

We'll work with you to identify the home loan option that best fits your needs with personalized service, competitive rates, and a wide variety of mortgage options.

  • Fixed Rate Loans: 10, 15, 20, and 30-year terms
  • 24/7 easy online application
  • Competitive rates, low fees, and a no-point program
  • Resources to help you identify the loan that best fits your needs

Apply Now View Rates 

Adjustable Rate Mortgages

An ARM is a home loan with an interest rate that is initially fixed for a set period and then fluctuates based on a market index for the remainder of the loan term. This differs from a fixed-rate mortgage, where the interest rate stays the same throughout the life of the loan.

  • Adjustable Rate Loans: 3/1, 5/1, 7/1, and 10/1
  • 24/7 easy online application
  • Competitive rates, low fees, and a no-point program
  • Resources to help you identify the loan that best fits your needs

Apply Today View Rates

Accessory Dwelling Units (ADU) Loan

Get more from your home with an ADU HELOC. Whether you want extra space for guests, a separate home office, rental opportunities, or just a place to slip away for some quiet time, an ADU is a great option. Program features:

  • 24 months of financing with interest-only payments
  • No prepayment penalties
  • Up to 90% Loan to Value

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Investment Property Loan

Investing in property can be a smart financial decision, whether for a primary residence, rental property, or a home to renovate and flip. Program features:

  • Fixed terms available for 30 and 15-year loans
  • Loans up to $1,209,750
  • No-point program available

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Private Mortgage Insurance (PMI)

Private Mortgage Insurance (PMI) helps you qualify for a home loan with a smaller down payment by lowering the lender's risk. If your down payment is less than 20%, you'll need PMI, which increases your monthly payment. Unlike FHA mortgage insurance, PMI can be removed before the loan is paid off if certain criteria are met.

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      Manufactured Home Loans

      Affordable financing for manufactured homes—designed to fit your lifestyle and budget. Enjoy fast approvals, flexible terms, our lowest rate and the confidence of working with an experienced team that understands your unique situation—plus these great benefits:

      • Loan terms up to 25 years
      • Loan amounts up to $800K
      • Same day pre-approval
      • Rates as low as 8.45% APR2
      • Low down payment options
      • New and pre-owned loans available
      • No annual fees and no pre-payment penalties
      Apply Now  View Rates

      Additional Resources


      Some restrictions may apply. All loans are subject to credit approval.

      1. First Time Home Buyers Program: To be eligible for the 0.25% First Time Home Buying Program rate discount and $1,500 off their closing costs, applicants must meet the definition of a First Time Home buyer, as defined by the credit union, and successfully complete the Framework home buyer educational online course, a $75 value. A Certificate of Completion is required before close of escrow. A First Time Home Buyer is an individual that hasn’t owned a home in the past three years. Financing available up to 97% for borrowers who qualify for Private Mortgage Insurance (PMI). Some restrictions may apply. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. All loans are subject to credit approval. Must be a member of the credit union to fund a loan. 
      2. APR = Annual Percentage Rate. Some restrictions may apply. All loans are subject to credit approval and program eligibility. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify for the lowest advertised rate. Maximum loan amounts and loan-to-value (LTV) ratios are based on credit tier and underwriting guidelines. Membership eligibility is required. Applicants must live, work, worship, or study in eligible counties and become members of PremierOne Credit Union. 

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