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Close on time guarantee

We'll close your loan by your home purchase closing date, or we'll pay your first month's loan payment.2

Find the right home loan for you

Answer a few quick questions to see the type of loan that's best for you.

Low rates, local expertise, and personal service.

15 Year Fixed

3.875%/4.154% APR1

Today's mortgage rate

30 Year Fixed

4.500%/4.667% APR1

Today's mortgage rate

7/1 ARM

3.750%/4.364% APR1

Today's mortgage rate

Fixed rate mortgage

When you're ready to stay awhile

  • For those who are on a fixed income, plan to live in their home for a long time and do not expect to refinance
  • Interest rate and payments fixed for the life of the loan
  • 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

Adjustable rate mortgage (ARM)

Flexibility and up front savings

  • Lower initial interest rate and payments than a fixed rate loan, improving your cash flow when you first move in.
  • 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

Refinance your loan

Options to fit your needs

  • Lower your monthly payment, take cash out from your home equity or pay off your loan sooner
  • 10, 15, 20,  30 years terms available
  • Variety of options including fixed and adjustable loans
  • Dedicated loan servicing throughout the life of your loan
  • See today's rates

 

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

 

Veteran Affair (VA) home loan

Available to veterans, reservists, and active-duty personnel

  • No down payment4
  • 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

Federal Housing Administration (FHA) home loan

Benefits for first-time buyers

  • Great option for first-time 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

Buy a new home

How much home can I afford?

Should I Refinance?

See if refinancing makes sense for you. Check out the calculator.

Happy homeowner stories

Take the next step towards home ownership

Talk to a Home Loan Consultant

800.358.8228 (press 3)

Visit a branch

Apply online

Find your dream home and save with HomeAdvantage™5

Protect your home and save with Patelco Insurance Services6

Unlock your home's equity

  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. Closing date must be stated at application and on the original purchase contract. Available on all eligible and qualified 1st lien owner-occupied, purchase transactions closed and funded by Patelco. Other terms and conditions apply, for details and restrictions contact a Patelco Home Loan Consultant. Not a lending guarantee
  3. 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.
  4. Up to 100% financing (based on VA lending limits) may be available for purchase loans and up to 90% for cash-out refinances. Gift funds or bond programs for closing cost assistance are allowed.Not available in TexasRates, 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.
  5. 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.
  6. 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.

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.