Backyards, barbecues, and bliss.

It’s the little moments in life that create the biggest memories. Let us help you celebrate them with a place to call your own.

  • Down payment options as low as 3% with no closing costs¹
  • 5% down on loan amounts up to $1 million
  • 10% down on loan amounts up to $2 million
  • Fast and fully underwritten preapprovals
  • Close on time guarantee²

Start making memories today. Apply online or contact one of our local experts to get preapproved.


¹Closing costs fees covered include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single family residence and 30 year fixed conforming loans with minimum 740 FICO.

² We'll close your loan by your home purchase closing date, or we'll pay your first month's loan payment. Closing date must be stated at application, must be no less than 25 days from the application date, 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.

5% down program available for eligible loans over $484,350 loan amount and 95% loan-to-value (LTV), 15 and 30 year fixed jumbo mortgages only. Loans over 80% LTV require mortgage insurance (except for 10% down “combo loans” up to $2 million, which are only available in CA).

Low rates, low fees and flexible terms.