Call us at (800) 506-5070

Competitive Loan Options

Fixed  Loans* vs. Adjustable Loans**
 Fixed Loans*Adjustable Loans**
Down Payment As low as 3% As low as 0%
Monthly Payment Payment stability (predictable payments for the life of the loan) Lower initial payments (allows for greater buying power)
Closing Costs No-closing-costs Options¹ No Closing Cost Options¹
Pre-Payment Penalty None None
Term Options 5-30 Yrs. 5, 7 or 10 Yrs., then adjusts up or down
Great if Staying in home longer term Moving or refinancing within first 10 years

Fixed-Rate Mortgage Loans*

With a fixed-rate mortgage loan, the interest rate remains the same throughout the term of the loan. 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.

  • Can be used for a home purchase or refinance
  • Competitive rates and fees
  • Conforming loan amounts


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%
  • No negative amortization
  • No-points option and no upfront fees

Looking to buy but don’t have the down payment?

Zero Down Home Loan

Our New Zero Down Home Loan Features
 Zero Down Home Loan
Down Payment $0
Loan Limit Up to $500,000
Closing Costs No-closing-costs Options¹
Term Options 5, 7 or 10 Yrs, then adjusts up or down
Pre-Payment Penalty None
Maximum Income Limitations None
Great for First-time buyers or next home purchase


With rent averaging a mortgage payment these days, you now have a chance to own a property and start building equity. 

One of the most significant obstacles to homeownership is a lack of cash to pay for the down payment and closing costs.

Our Zero Down Adjustable-Rate Mortgage (ARM) Loan can help you purchase a home with no down payment and a fixed rate for the first 5, 7, or 10 years, so you can enjoy lower interest rates and monthly payments.


Additional features include:

  • No upfront fees
  • No negative amortization
  • No-points option

For more information, please visit our Zero Down Home Loan page.

Call us at (800) 506-5070

Want thousands in commision fees back after closing?

Home Connections Rebate 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 Loan 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 Loan Consultant. Your agent can also help you with the sale of a home.

  • Up to a 25% commission rebate from participating First Team Real Estate agents2
  • Discounts on escrow services and home warranty3
  • Search every MLS listing in Southern California to find your home and save your favorites
  • FREE escrow signing services at your home or office

Make Confident Mortgage Decisions with a Total Cost Analysis

With our complimentary service, receive clear advice and simple side-by-side comparisons of your options, costs, and savings, all personalized to your unique needs. Examples of the Total Cost Analysis we offer are: a comparison of renting versus owning, the cost of waiting so you don’t miss the right opportunity at the right time, potential tax benefits, and your home’s equity appreciation. Call us to get started.


Your Trusted Partner, with You Every Step of the Way

We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why when a day makes a difference, rely on a trusted partner who is local, experienced, and accessible to 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.

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

²Rebate 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 w ithin six months of each other. First Team Real Estate is not affiliated with Orange County's Credit Union. Ask for deta ils.

³Program app lies only to first lien position purchase transact ions closed and funded with Orange County's Credit Union.

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 applications will qualify

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange or Riverside Counties or the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill. Don't live or work in our area? You may also qualify through your employer or if your immediate family member banks with us. Ask for details. Membership fee is $5.