Find Your Loan
Need help? We'll create a personalized Total Cost Analysis just for you.
Welcome Home
Home Loans with Low Rates and Exceptional Service
Call Us: (800) 506-5070
Mon - Fri: 8:00 am - 6:00 pm
Sat: 9:00 am - 2:00 pm
Welcome Home
Home Loans with Low Rates and Exceptional Service
Today’s Mortgage Rates
| 30-Yr Fixed | 15-Yr Fixed | 10/1 Adj | 7/1 Adj | 5/1 Adj | |
|---|---|---|---|---|---|
| Rate | 3.500% | 3.000% | 3.000% | 2.875% | 2.625% |
| APR | 3.537% | 3.099% | 3.840% | 3.930% | 3.990% |
| Points | -0.125 | 0.125 | 0.000 | 0.000 | 0.125 |
| Payment | $1,347.13 | $2,071.74 | $1,264.81 | $1,244.68 | $1,204.95 |
| Rate | APR | Points | Payment | |
|---|---|---|---|---|
| 30-Yr Fixed | 3.500% | 3.537% | -0.125 | $1,347.13 |
| 15-Yr Fixed | 3.000% | 3.099% | 0.125 | $2,071.74 |
| 10/1 Adj | 3.000% | 3.840% | 0.000 | $1,264.81 |
| 7/1 Adj | 2.875% | 3.930% | 0.000 | $1,244.68 |
| 5/1 Adj | 2.625% | 3.990% | 0.125 | $1,204.95 |
Lower rates. Superior service.
Don’t settle for average when it comes to your home loan. See how other lenders’ rates stack up to ours that are lower than market average.*
What Type of Home Loan is Right for You?
Fixed Rate
Your interest rate will stay the same for the term of your loan, which could range from 5-30 years.
Learn More
Adjustable Rate
Your interest rate will be lower at first, and then adjust up or down annually after that. Down payments as low as 0%.
Learn More
How It Works
1
2
Get A Fast Track Decision
Apply online and get an instant decision, or apply over the phone.
3
Check Your Status
Check on your loan, securely esign, and receive documents online.
4
Get Your Funds
We work hard to close our loans faster than the national average.**
Discover Your Options with a Total Cost Analysis
Gain clarity on all of your loan options with our complimentary Total Cost Analysis service. It’s personalized to your unique situation, and offers a side-by-side comparison of your costs, savings, and options.
Save with Our Home Connections Rebate Program
Get a commission rebate through our exclusive Home Connections program. We’ll introduce you to a local participating real estate agent who can help you buy or sell your home, while we help you with the financing. You’ll get the expertise you need, and save thousands of dollars on fees.
20% commission rebate from participating real estate agents***
Discounts on escrow services and home warranty†
Search every MLS listing in SoCal to find your favorite homes
Free escrow signing services at your home or office
Simplifying the Home Buying Experience
We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why having a trusted partner who is local, experienced, and accessible will provide the guidance and peace of mind you need to obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, from start to finish. That's our promise.
Resources
- Search for a New Home (Home Connections)
- First Steps to Buy a Home (video)
- Renting vs Buying (infographic)
- How Much Will Waiting Cost You? (article)
- Pre-Approval vs Pre-Qualification (article)
- Is a Home Warranty Worth the Cost (article)
- Four Things to Look for in a Mortgage Lender (article)
Calculators & Tools
- Request a Total Cost Analysis (tool)
- Mortgage Payment Calculator (calculator)
- How Much Home Can I Afford? (calculator)
View registered Mortgage Loan Originators
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. Membership in Orange County’s Credit Union is a condition of loan approval. Membership is open to everyone living or working in Orange, Los Angeles, Riverside, and San Bernardino counties. Membership fee is $5.00. Limited to funding California properties only.
*In providing a market rate comparison, Orange County’s Credit Union is using information provided by an independent third-party source and is not responsible for the accuracy of the information. The comparison is provided by Informa Research Services, a financial research service.
**In providing the days-to-close comparison, Orange County’s Credit Union is using information provided by an independent third-party source and is not responsible for the accuracy of the information. The Ellie Mae® Origination Insight Report provides monthly data and insights for a robust sampling of closed loan applications that flow through Ellie Mae’s Encompass® mortgage management software and the Ellie Mae Network.
***Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of the transaction. Purchase price must be greater than $200,000. Members receive a 25% rebate if they sell AND purchase with an assigned First Team Real Estate agent. In order to receive the 25% rebate, the home sale and purchase transactions must take place within six months of each other. Alternatively, Members receive a 20% rebate if they sell OR purchase a home with an assigned First Team Real Estate agent. First Team Real Estate is not affiliated with Orange County’s Credit Union. Ask for details.
†Escrow services discount and free signing services available only on an escrow serviced by Hallmark Escrow/Coast Cities Escrow. Warranty discount available only on a warranty serviced by Home Warranty of America. Hallmark Escrow/Coast Cities Escrow and Home Warranty of America are not affiliated with Orange County’s Credit Union. Check with the seller of the property regarding selection of the escrow company.
Supported Browsers: While most modern browsers will allow you to use the entire Home Loans experience without any problems, we suggest the latest version of Microsoft® Edge, Firefox®, Chrome®, and Safari®.