Let us help you take this next big step.
Whether you're looking to buy your first home or need more space for your growing family, our low rates and fees can make your home ownership goals a reality. And our expert Home Loan Consultants will walk you through the process every step of the way. But let's start with a few questions:
Your Home Loan options
Everyone's financial situation is different. We've pulled together the home loans that meet your needs and our Home Loan Consultants can offer expert guidance every step of the way. Explore your options below, and then let's talk.
Veteran Affair (VA) home loan
Available to veterans, reservists, and active-duty personnel
- No down payment
- No cash reserves
- No application fee
- No monthly mortgage insurance premium
- Flexible financing options available
- For details, talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Adjustable rate mortgage (ARM)
For those who plan to move or refinance
- Lower initial interest rate and payments than a fixed rate loan, improving your cash flow during your selected term
- Fixed rate for an initial period of time: 5, 7, or 10 years
- Interest rate adjusts after the initial fixed period
- Low down payment option (as low as 3%)
- Interest rate caps during adjustments and the life of loan
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Federal Housing Administration (FHA) home loan
Great option for home buyers who need more flexibility with down payment and credit
- Down payment as little as 3.5% of the purchase price
- Lower credit score requirements
- Low closing costs
- Talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Low down payment mortgage
Making your dream home a reality
- Buy a home with as low as 3% down payment on loans up to $453,100
- 5% down on loans up to $1 million
- 10% down on loans up to $2 million
- Local experts who understand the market and will work with your real estate agents to get you into your home quickly
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Find your dream home
MoreHome Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Fixed rate mortgage
Interest rate and payments fixed for the life of the loan
- For those who are on a fixed income, plan to live in their home for a long time and do not expect to refinance
- Low down payment option (as low as 3%)
- 10, 15, 20, 30 year terms available
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Federal Housing Administration (FHA) home loan
Great option for home buyers who need more flexibility with down payment and credit
- Down payment as little as 3.5% of the purchase price
- Lower credit score requirements
- Low closing costs
- Talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Low down payment mortgage
Making your dream home a reality
- Buy a home with as low as 3% down payment on loans up to $453,100
- 5% down on loans up to $1 million
- 10% down on loans up to $2 million
- Local experts who understand the market and will work with your real estate agents to get you into your home quickly
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Find your dream home
MoreHome Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Veteran Affair (VA) home loan
Available to veterans, reservists, and active-duty personnel
- No down payment
- No cash reserves
- No application fee
- No monthly mortgage insurance premium
- Flexible financing options available
- For details, talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Fixed rate mortgage
Interest rate and payments fixed for the life of the loan
- For those who are on a fixed income, plan to live in their home for a long time and do not expect to refinance
- Low down payment option (as low as 3%)
- 10, 15, 20, 30 year terms available
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Home Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Adjustable rate mortgage (ARM)
For those who plan to move or refinance
- Lower initial interest rate and payments than a fixed rate loan, improving your cash flow during your selected term
- Fixed rate for an initial period of time: 5, 7, or 10 years
- Interest rate adjusts after the initial fixed period
- Low down payment option (as low as 3%)
- Interest rate caps during adjustments and the life of loan
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Home Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Veteran Affair (VA) home loan
Available to veterans, reservists, and active-duty personnel
- No down payment
- No cash reserves
- No application fee
- No monthly mortgage insurance premium
- Flexible financing options available
- For details, talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Fixed rate mortgage
Interest rate and payments fixed for the life of the loan
- For those who are on a fixed income, plan to live in their home for a long time and do not expect to refinance
- Low down payment option (as low as 3%)
- 10, 15, 20, 30 year terms available
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Federal Housing Administration (FHA) home loan
Great option for home buyers who need more flexibility with down payment and credit
- Down payment as little as 3.5% of the purchase price
- Lower credit score requirements
- Low closing costs
- Talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Low down payment mortgage
Making your dream home a reality
- Buy a home with as low as 3% down payment on loans up to $453,100
- 5% down on loans up to $1 million
- 10% down on loans up to $2 million
- Local experts who understand the market and will work with your real estate agents to get you into your home quickly
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Find your dream home
MoreHome Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Adjustable rate mortgage (ARM)
For those who plan to move or refinance
- Lower initial interest rate and payments than a fixed rate loan, improving your cash flow during your selected term
- Fixed rate for an initial period of time: 5, 7, or 10 years
- Interest rate adjusts after the initial fixed period
- Low down payment option (as low as 3%)
- Interest rate caps during adjustments and the life of loan
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Federal Housing Administration (FHA) home loan
Great option for home buyers who need more flexibility with down payment and credit
- Down payment as little as 3.5% of the purchase price
- Lower credit score requirements
- Low closing costs
- Talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Low down payment mortgage
Making your dream home a reality
- Buy a home with as low as 3% down payment on loans up to $453,100
- 5% down on loans up to $1 million
- 10% down on loans up to $2 million
- Local experts who understand the market and will work with your real estate agents to get you into your home quickly
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Find your dream home
MoreHome Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Veteran Affair (VA) home loan
Available to veterans, reservists, and active-duty personnel
- No down payment
- No cash reserves
- No application fee
- No monthly mortgage insurance premium
- Flexible financing options available
- For details, talk to our partner at Freedom Mortgage at 844.508.8490 or schedule a call.
Adjustable rate mortgage (ARM)
For those who plan to move or refinance
- Lower initial interest rate and payments than a fixed rate loan, improving your cash flow during your selected term
- Fixed rate for an initial period of time: 5, 7, or 10 years
- Interest rate adjusts after the initial fixed period
- Low down payment option (as low as 3%)
- Interest rate caps during adjustments and the life of loan
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Home Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Fixed rate mortgage
Interest rate and payments fixed for the life of the loan
- For those who are on a fixed income, plan to live in their home for a long time and do not expect to refinance
- Low down payment option (as low as 3%)
- 10, 15, 20, 30 year terms available
- Borrow up to $2.5 million
- Check today's rates
NMLS # 506373, Equal Housing Opportunity
Home Loan Consultants
We can help you take the next step
- Our Home Loan Consultants are licensed local experts – they know the ins and outs of Northern California markets
- They are committed to getting your questions answered and finding the solution that’s right for you
NMLS # 506373, Equal Housing Opportunity
Happy homeowner stories
EXCEEDING EXPECTATIONS
"The time elapsed between opening escrow and the final loan approval was just over 2 weeks! "
K.R. ,
Member since 2011
HELPING DREAMS COME TRUE
"We were ready to downsize and wanted to be pre-approved. You were helpful and efficient in finding our dream property."
L.M.,
Member since 2005
YOUR BEST INTEREST
"Fast, competent, reliable, and friendly service. Excellent interest rates that I have never seen beaten."
D.A.,
Member since 2012
Take the next step towards home ownership
1. 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, www.insurance.ca.gov.