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About Patelco Home Loans

Rates as low as 4.500% (4.667% APR1) 30-year fixed
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Now’s your chance to make your home ownership dreams a reality.

Close on time — guaranteed!

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Refi to lower your monthly payment, cash out some equity, or switch to a fixed-rate loan.

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Need to remodel? Replace old appliances? For Landscaping? A Home Equity Line of Credit completes your list at a bank-beating rate.

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No matter where you are in the process, we’re here to answer all your home loan questions and guide you every step of the way

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Why Patelco for your home loan needs?

  • Close in as few as 18 days when you purchase a home with a Patelco loan
  • Equity Builder® option with bi-weekly payment feature to pay off your loan faster*
  • In–house underwriting and servicing so you can get your lending needs met all in one place
  • Bank–beating low rates on amounts up to $2.5 million
  • Some of the lowest fees in the industry because it's our mission to help you finance your home affordably
  • A local lender who has been saving Northern California members money for over 75 years

Patelco Home Loan Consultants

Patelco Home loan consultants offer advice and guidance free of charge on the various Patelco Home Loan products and services. Let our Home Loan Consultants guide you from the start to the end of the home loan borrowing or refinance process.

Make an Appointment

  1. APR = Annual Percentage Rate. Rate shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees. Your rate may be different than what is shown. Please use the Rate Calculator on our application page to get a better estimate for your scenario.
  2. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance,

*Equity Builder is a bi-weekly payment option for specific Patelco mortgage products. Bi-weekly payment option offers reduced number of years for early loan pay-off date and reduced interest paid depends on loan amount, interest rates, and every two weeks or weekly payment plan start time. Talk to a Patelco Home Loan Consultant for details.

Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.