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We Make Home Loans Easy

Whether you're buying a home or refinancing your current mortgage, the home loan process can be daunting. Let us help! We'll work with you to identify the home loan option that best fits your needs. With personalized service, we also offer competitive rates and a wide variety of mortgage options so you have peace of mind about your home financing.

  • Fixed Rate Loans: 10, 15, 20, & 30 year terms
  • Adjustable Rate Loans: 3/1, 5/1, 7/1, and 5/5 year terms
  • Competitive interest rates and low fees
  • Private Mortgage Insurance (PMI)- Learn more!
  • No-point programs available
  • Refinancing available
  • Local decisions
  • Quick approvals
  • Personalized service

If you're interested in a first mortgage for a home purchase or in refinancing your current mortgage, please contact the credit union at 408.524.4500 to take advantage of these promotional rates while they're still available!


We are here to help discuss the program, rates, and options available to you.

Rates

 

Learn more about our Private Mortgage Insurance (PMI)

What is it and how does it work?

  • Mortgage insurance lowers the risk to the credit union of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.
  • Borrowers making a down payment of less than 20% of the purchase price of the home will need to pay for mortgage insurance.
  • Making a smaller down payment and qualifying for mortgage insurance will increase your monthly payment, but unlike mortgage insurance on an Federal Housing Administration (FHA) loan it can be removed before the loan is paid in full with certain criteria being met.

For additional information please contact the credit union at 408.524.4500 and ask to speak with a mortgage specialist.

 

APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 730 or above, and 80% loan-to-value and qualified down payment when applicable. Variable rate first mortgages are tied to the 1 Year LIBOR index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. For more information call 408.524.4500.

New Auto*

2.99%
APR

3/1 ARM Mortgage*

3.625%
APR

30yr Fixed Mortgage*

4.625%
APR

Checking*

2.00%
APY

More Rates

If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7628 for assistance. 

 

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