Mortgage

IT'S ONE OF THE BIGGEST FINANCIAL DECISIONS YOU'LL MAKE

Without the aid of a knowledgeable and trusted partner, financing a home mortgage loan can be a challenging task. That's why our Mortgage Loan Consultants work with you to find the right loan, to lock in the best interest rate, and to make your loan process as easy as possible. They'll do all of the application paperwork on your behalf and provide guidance and advice each step of the way to ensure you're making the right decision for your needs.

When a day makes a difference, rely on a local partner who's experienced, accessible, and with you all the way. Give our Mortgage Loan Consultants a call at (800) 506-5070.

TIP: Ask about our complimentary financial analysis service. You'll receive clear advice, simple real-time charts, and detailed options, all personalized to your unique needs. Call us to get started.

Fixed-Rate Home Mortgage Loans

With a fixed-rate mortgage loan, the interest rate remains the same throughout the term of the loan. Depending on your needs, the term can range from 5 to 30 years. This payment stability makes budgeting finances easier and is a great option if you plan to stay in your home for a longer period of time.

The benefits and features of our fixed-rate loans vary so we recommend meeting with a Mortgage Loan Consultant.

Features include:
  • Can be used for a home purchase or refinance
  • Down payments as low as 3%
  • Conforming loan amounts
  • No-points and no-closing costs options*
  • Competitive rates and fees
  • No pre-payment penalty

We're here to evaluate your financing needs, simplify each step of the process, and provide a mortgage product that's right for you. Call our local Mortgage Loan Consultants at (800) 506-5070 to get started.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify.

*For no-closing-costs option; borrower pays no closing costs, except for recurring costs such as: property taxes, insurance, and loan interest.

Adjustable-Rate Home Mortgage Loans

With our adjustable-rate mortgage loan (ARM), the interest rate is fixed for the first period of 5, 7, or 10 years, then adjusts up or down annually following the fixed period. An ARM offers a lower interest rate and payments for the first years of the mortgage, allowing an initial lower payment to increase your buying power. This is a great option to consider if you plan to move or refinance your mortgage within the first 10 years.

The benefits and features of our adjustable-rate loans vary so we recommend meeting with a Mortgage Loan Consultant.

Features include:
  • Conforming loan amounts with down payments as low as 0%
  • Jumbo loan amounts with down payments as low as 5%-10%
  • No-points and no-closing costs options*
  • Competitive rates and fees
  • No negative amortization
  • No pre-payment penalty

We're here to evaluate your financing needs, simplify each step of the process, and provide a mortgage product that's right for you. Call our local Mortgage Loan Consultants at (800) 506-5070 to get started.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify.

*For no-closing-costs option; borrower pays no closing costs, except for recurring costs such as: property taxes, insurance, and loan interest.

Home Connections Program

We've partnered with First Team Real Estate to bring you an experienced team of experts to help you with buying your new home. Your Credit Union Mortgage Consultant will answer questions about financing, find a home loan that's right for you, and help get you pre-approved. When you're ready to go look at homes, we'll introduce you to a local First Team Real Estate agent that will assist with your home purchase and work with your Mortgage Consultant. Your agent can also help you with the sale of a home.


Benefits include:
•    Up to a 25% commission rebate from participating First Team Real Estate agents1
•    Discounts on escrow services and home warranty2
•    Experienced real estate agents who work in your home search area
•    Daily e-mails featuring homes for sale based on your home search criteria
•    Search every MLS listing in Southern California to find your home
•    Free escrow signing services at your home or office


Enroll Today!      Returning Users?

1Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of transaction. Purchase price must be greater than $200,000. In order to receive the 25% rebates, the home sale and purchase transactions must take place within six months of each other. First Team Real Estate is not affiliated with Orange County's Credit Union. Ask for details.
2Program applies only to first lien position purchase transactions closed and funded with Orange County's Credit Union