California Credit Union
Online Banking Access
Online ID
Sign Up
Forgot PasswordHow to Sign Up
News and Updates


Home Mortgage

At California Credit Union, our real estate specialists 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 lending solution for you.

Explore your options with our enhanced Mortgage Calculator.


Fixed-Rate Mortgages

With a fixed-rate mortgage, your interest rate and monthly payment of principal and interest remain the same for the entire term of the loan.

California Credit Union offers:

  • Conventional or Jumbo Mortgages
  • 15/20/30-Year Terms Available
  • Purchase or Refinance
  • Primary Residence & Non-Owner Occupied

Contact a Loan Officer Now

Adjustable Rate Mortgages (ARMs)

Adjustable rate mortgages may assist you in qualifying for a more expensive home or reduce your monthly payments, helping with cash flow. All of our ARMs are available for non-owner occupied properties as well.

  • Standard ARMs - Standard ARMs are available with your choice of adjustment period. The rate can adjust every six months or one year, with a rate adjustment cap and a lifetime cap. ARMs have lower rates than non-adjustable mortgages, making it easier to qualify.
  • Hybrid ARMs - Payments are non-adjustable for the first three, five, or seven years. Afterwards, your loan converts to a standard ARM.
  • 5/5 ARMs - A lower-rate loan option providing flexibility for purchasing or refinancing a property. Save money with no closing costs, points, appraisal or title fees, and enjoy the flexibility of a low starting rate and loan amounts up to $1,000,000.00. Payments are non-adjustable for the first five years, and adjust every five years thereafter.

Contact a Loan Officer Now

80/10/10 Loan Program

Don't let a down payment keep you from your dream home. You can purchase a home with only 10% down payment.

  • 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 Now

Home Mortgage Resources