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Home Loan Mortgages

We are accepting home refinance applications.
Due to popularity, refinance funding takes a minimum of 60 days.

 

Low fixed rate & adjustable rate mortgage home loans

 

Looking to buy a new home? San Diego County Credit Union mortgages are perfect for you! SDCCU offers low rate conforming and jumbo home loans in San Diego and throughout California. Our low fixed rate and adjustable rate home loans offer low monthly payments and down payments as low as 10%. You can even take advantage of the No Closing Costs 5/5 Adjustable Rate Mortgage!¹ 

 

90-day rate lock

Lock in your low rate

Low Down Payments

As little as 10% down.² See rate sheet for details

Low Rates

Fixed Rate & Adjustable Rate

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BEST Mortgage/Home Loan Provider

San Diego Union-Tribune Readers Poll

Pick your home loan solution.

SDCCU offers several home mortgage loans available to first-time homebuyers or current homeowners who live in San Diego, Riverside, Orange counties and throughout California! If you have already started a housing mortgage application, you can resume or access your saved application.

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No Closing Costs Home Loan

The No Closing Costs 5/5 Adjustable Rate Mortgage provides flexibility and stability as a first-time homeowner or as a current homeowner. Your housing mortgage rate can only change once every 5 years with a maximum adjustment of 2% and the maximum cap is 5% over the life of the loan!

Get Pre-Qualified Apply Online
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couple in their new home bought with sdccu fixed rate mortgage loan

Fixed Rate Mortgage Loans

Your payment is fixed for the life of the home mortgage loan. Monthly budgeting is easy and affordable, since you will always pay the same amount even if interest rates increase.

  • 10, 15, 20 or 30-year terms available3
  • Minimum home loan amount: $50,000
  • Jumbo Loans up to $3,000,000
Get Pre-Qualified Apply Online
Couple with baby

Adjustable Rate Mortgages (ARM)

The Adjustable Rate Mortgages program provides a fixed mortgage rate for the first 5 or 7 years. After that, the interest rate becomes variable and can fluctuate. Adjustable rate home loans allow you to afford more home and are best for homebuyers who are not planning on keeping their home long-term or plan to refinance.

  • Fixed initial term of 5 or 7 years, then may adjust annually
  • Amortized over 30 years4
  • Minimum home loan amount: $50,000
  • Jumbo loans up to $3,000,000
Get Pre-Qualified Apply Online
Couple with baby

Jumbo Home Loans

If you are thinking big for your next home, a jumbo loan from San Diego County Credit Union can provide you with a larger loan to help you with your next purchase. A jumbo loan is often used when you need a home loan larger that the conforming loan limit in your area. SDCCU’s jumbo loans offer competitive rates and flexible down payment options whether you plan to purchase or refinance your home.
 
  • Competitive fixed or adjustable jumbo loan rates
  • Jumbo loan terms up to 30 years
  • Jumbo loans up to $3,000,0004
  • Learn more about jumbo loan rates and terms
GET PRE-QUALIFIED APPLY ONLINE

Subject to approval.

¹No Closing Costs offer available for owner occupied primary residential purchases, properties owned free and clear and external (payoff of a non-SDCCU originated lien) refinance only. Refinance not available on Power Purchase loans. SDCCU will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees.  Paid closing costs do not include pre-paid interest, rate lock extension, rate re-lock, rate float down, homeowners insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer tax. Borrower may select escrow and/or title company. Other restrictions may apply. Reimbursement of closing costs: If the loan is paid off within 36 months of origination, a prorated amount of closing costs will be added to the loan payoff amount.

²Certain terms and restrictions apply. See rate sheet for details.

³For example: 360 monthly payments of $5.37 per $1,000 borrowed at 5.025% Fixed Annual Percentage Rate (APR) for the 30-year term based on rates offered 11/9/18. Rates may vary and are subject to change.

4For example: 360 monthly payments of $4.56 per $1,000 borrowed at 4.517% Adjustable Annual Percentage Rate (APR) for the 5-year adjustable term based on rates offered 5/30/18. Rates may vary and are subject to change.

Home Mortgage tools & services

Buying a new home can be one of the most important purchasing decisions you can make. With so much information out there, it can be overwhelming for those who are unfamiliar with the home buying process. When it comes to home loans and housing rate assistance, San Diego County Credit Union has you covered. Take advantage of these helpful tools below, that were created by our financial experts, or contact one of our branches to speak with a banking expert over the phone or in person!

FAQ
Frequently asked questions
  • How do I apply for a home loan?
    You can apply for a SDCCU home loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to refinance your mortgage or apply to purchase a new home through any of these options.
  • What credit score do I need to qualify for a home loan?
    Your credit score is one of several factors that determine qualification for a home loan. Other factors that are considered include debt to income ratio, how well you have managed prior credit and length of credit history. There may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I get a home loan with bad credit?
    A home could possibly be the most significant purchase you ever make. First and foremost, it is recommended that you use our home loan calculators to see how much you are able to afford. While your credit score is one of several factors that determine qualification for a home loan, it is an important measure of credit risk. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before purchasing a home. If you have not done so already, check your credit report for any incorrect or outdated items. If there’s any erroneous information that’s bringing down your score, contact the credit reporting company as soon as possible to have errors removed or disputed. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • When is the best time to refinance a home loan?
    Our mortgage loan calculators can help you determine how much you might save from refinancing your home loan with SDCCU and decide when and if a refinance is right for you. You can also contact a SDCCU home loan specialist via Live Chat or by calling (877) 732-2848.
  • How do I get the best rate for a home loan?
    Make sure to check your credit report for any incorrect or outdated items. If there’s any erroneous information that’s bringing down your score, contact the credit reporting company right away to start the process of having the errors removed or disputed.

More products for more occasions

Whether you’re buying your first home, refinancing your car, or simply looking for investment advice, we have the products and services you need to get going.