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Home Loans
Home Loans with Low Rates and Exceptional Service
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Home Loans
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 | 5.750% | 5.250% | 5.625% | 5.500% | 5.250% |
| APR | 5.858% | 5.427% | 6.563% | 6.777% | 6.908% |
| Points | 0.500 | 0.500 | 0.500 | 0.500 | 0.375 |
| Payment | $1,750.72 | $2,411.63 | $1,726.97 | $1,703.37 | $1,656.61 |
| Rate | APR | Points | Payment | |
|---|---|---|---|---|
| 30-Yr Fixed | 5.750% | 5.858% | 0.500 | $1,750.72 |
| 15-Yr Fixed | 5.250% | 5.427% | 0.500 | $2,411.63 |
| 10/1 Adj | 5.625% | 6.563% | 0.500 | $1,726.97 |
| 7/1 Adj | 5.500% | 6.777% | 0.500 | $1,703.37 |
| 5/1 Adj | 5.250% | 6.908% | 0.375 | $1,656.61 |
Effective January 31, 2023 08:40 AM Pacific Time (PT)
What Type of Home Loan is Right for You?
Fixed or Adjustable Rate
Choose from a fixed rate for up to 30 years, or choose an adjustable rate with a low rate that may change over time.
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Low Down Payment Programs
With options as low as 0% down, you can bypass the traditional 20% down payment needed for home ownership.
Learn More
How It Works
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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 20% rebate*** and exclusive services through our 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% rebate when you purchase a home***
1.5% flat listing fee to sell your home†
MLS home search access
Free instant home valuation
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? (infographic)
- Pre-Approval vs Pre-Qualification (article)
- Is a Home Warranty Worth the Cost (article)
- Four Things to Look for in a Mortgage Lender (article)
- Protect your Investment with Homeowners Insurance (free quote)
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. 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 is awarded by HomeSmart Evergreen Realty to buyers who select and use a real estate agent in the Home Rewards network. Rebate is 20% for purchase only of a residential property. Payment is credited to your benefit at the close of transaction. Using Orange County’s Credit Union for a mortgage loan is not a requirement to earn the rebate. All rebates are subject to limitations, lender guidelines, state laws and other requirements. Certain properties may not be eligible for rebates. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. HomeSmart Evergreen Realty is not affiliated with Orange County’s Credit Union.
†Excludes commission owed to buyer's agent.
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Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.
Immediate Family Includes:
Spouse
Child
Sibling
Parent
Grandparent
Grandchild
Stepparent
Stepchild
Adoptive Relationships