Fast , competent, reliable, and friendly service. Excellent interest rates that I have never seen beaten.

David A, Member since 2012

You have a dream, and we have the tools and knowledge to help you achieve it.

Whether you are looking to buy your first home, need more space for your growing family, or want to refinance to lower your mortgage payments-Patelco's low rates and fees can make your homeownership goals a reality.

Our expert home loan consultants have the unbiased advice your individual situation deserves and they know how to navigate the Northern California housing process because they aren't just consultants-they're your neighbors.

  • 5% down for purchase mortgage loans up to $1 million¹
  • 10% down for purchase mortgage loans up to $2 million
  • No borrower paid Private Mortgage Insurance (PMI)
  • Fixed and adjustable rate loan options
  • Close on time guarantee - we will meet your purchase contract closing date or your first month payment is on us²


Find your local Home Loan Consultant or call 800.358.8228 (press 3) for your free home loan consultation.


¹Offer available for 15 and 30 year fixed jumbo mortgages. Loans over 80% LTV require mortgage insurance. Except for 10% down “combo loans” up to $2 million, which is only available in CA.

²Closing 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

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