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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

Mortgage Calculators:

Home Mortgage Resources