Real Estate Center

Patelco wants to make your home buying and selling experience an easy one! Let our Real Estate Center save you time and money by connecting you to all the tools and resources you need to search, buy, sell and save!



Rates as low as 3.625% (3.778% APR1) 30-year fixed
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Find it Fast with HomeAdvantage™

Powered by CU Realty Services, Patelco's HomeAdvantage program combines all the home search features in one powerful, easy-to-use program. Enroll and gain access to MLS listings to find a home with the options you select. View property values, demographic data, weather, schools, and neighborhoods. Save your search criteria and receive email alerts when matching properties become available.

Enroll & Search For Homes

Benefits of HomeAdvantage include:

  • Conveniently search for homes through our online MLS listings.
  • Connect with a trusted agent from our network.
  • Get a special rebate that can be used to reduce closing costs and Realtor commissions--or take it as cash back*.

Learn how HomeAdvantage works:


Enroll & Search For Homes

  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.

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.

*The HomeAdvantage program is made available to you through a relationship between Patelco Credit Union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Patelco may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender.

The right agent is waiting for you

Choose an agent from a network of experienced, hand-picked professionals to help you buy, sell, or both. They specialize in your area of interest and are committed to giving outstanding service. Finding the right agent for you will help make the process quick, easy, and understandable. And when you use one of these preferred agents, you qualify for a cash rebate* at closing.

HomeAdvantage agents are:

  • Thoroughly vetted so that you know you have a dedicated and knowledgeable agent.
  • Fully licensed and have been real estate professionals for at least three years.
  • Willing to do the legwork!

Browse the network of agents online or let the HomeAdvantage team recommend one for you.

Find a Realtor



  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.

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.

*The HomeAdvantage program is made available to you through a relationship between Patelco Credit Union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Patelco may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender.

Use a preferred Realtor® and earn cash rewards.

Our HomeAdvantage network of agents is filled with experienced real estate professionals in your local area. Use one to buy or sell your next home – or both – and you can earn a substantial rebate! The average Patelco member will earn $2,800* on each transaction.

How much can you save? Use the chart below to estimate your savings. The rebate is based on the total home price, not the amount mortgaged.

Home Sale Price
Cash Back Rebate*
$100,000
$600
$200,000
$1,200
$300,000
$1,800
$400,000
$2,400
$500,000
$3,000
$600,000
$3,600
$700,000
$4,200
$800,000
$4,800
$900,000
$5,400
$1,000,000
$6,000









Earn Cash Rewards




  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.

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.

*The HomeAdvantage program is made available to you through a relationship between Patelco Credit Union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Patelco may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender.