For Your First Home, a Bigger Home, and Everything in Between


Fixed-Rate 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. This loan can be used for a home purchase or refinance.

  • Conforming loan amounts with down payments as low as 3%
  • Jumbo loan amounts with down payments as low as 5%-10%
  • Flexible loan terms, including 15 and 30 years

Adjustable-Rate 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.

  • Conforming loan amounts with down payments as low as 0%
  • Jumbo loan amounts with down payments as low as 3%-5%

Both offer:

  • Competitive rates and fees
  • No-points and no-closing costs options¹
  • No prepayment penalty
  • No negative amortization
  • Options for financing Second/Vacation homes and Investment/Rental homes

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. Limited to funding California properties only.

1For no-closing-costs option; borrower pays no closing costs, except for recurring costs such as: property taxes, insurance, and loan interest.

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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.

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