Rates as low as 4.250% (4.413% APR1) 30-year fixed
Calculate my rate >
Apply or get Pre-Approved

Now’s your chance to make your home ownership dreams a reality.

Close on time – guaranteed!

Learn More ▶

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

Learn More ▶

With a Patelco Home Equity Line of Credit, you decide how much you want, and we’ll get it to you right away at a bank–beating low rate.

Learn More ▶

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

Learn More ▶

Why Patelco for your home loan needs?

  • In–house underwriting and servicing so you can close your loan quickly and get your lending needs met all in one place
  • Bank–beating low rates on amounts up to $2 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. 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.

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.