Home Loan Mortgages

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Low fixed rate & adjustable rate mortgage home loans

Looking to buy or refinance a home? San Diego County Credit Union mortgages are perfect for you! As a trusted mortgage lender and voted San Diego's BEST Mortgage Provider, SDCCU offers low rate conforming and jumbo home loans and quick pre-approvals throughout California. Our experienced team is dedicated to supporting you every step of the way on your path to homeownership. Learn more about our mortgage lending solutions and let SDCCU be your partner in achieving your dream home. 

45-day rate lock

45-day rate lock

Lock in your low rate

Low Down Payments

Low Down Payments

Low down payments

Competitive Rates

Competitive Rates

Fixed Rate & Adjustable Rate

BEST Mortgage/ Home Loan Provider

BEST Mortgage/ Home Loan Provider

In the 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 Southern California. As a trusted mortgage lender, we want to ensure you find the home loan perfect for you, at the rate you deserve! SDCCU offers a variety of mortgage options to suit different needs, including fixed rate mortgages and adjustable rate mortgages. Fixed rate mortgages provide the stability of predictable monthly payments, while adjustable rate mortgages offer lower initial interest rates.

Already started a home mortgage application? You can resume or access your saved application now. 

To view today's rates, visit the Rate & Payment Estimate button below or contact us for more information.

RATE & PAYMENT ESTIMATE CONTACT US

No Closing Costs Home Loan*

No Closing Costs Home Loan*

The No Closing Costs Adjustable Rate Mortgage provides flexibility and stability as a first-time homeowner or as a current homeowner. Your housing mortgage rate has a fixed initial period and changes periodically with a maximum adjustment of 2% and the maximum cap is 5% over the life of the loan! Ask about our No Closing Cost Home Mortgage Loans.

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No Closing Costs Home Loan*
Fixed Rate Mortgage Loans

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. With this peace of mind, you can confidently plan for your future knowing that your mortgage payment remains consistent and manageable. 

  • Minimum home loan amount: $50,000
  • Choose from 10-year, 15-year, 20-year or 30-year fixed rate mortgages** and a variety of other loan options
Apply Online
Adjustable Rate Mortgages (ARM)

Adjustable Rate Mortgages (ARM)

The Adjustable Rate Mortgages program provides multiple options with a fixed initial period. 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.

  • Minimum home loan amount: $50,000
5/1 ARM Disclosure
7/1 ARM Disclosure
5/5 ARM Disclosure
  Apply Online
Adjustable Rate Mortgages (ARM)
Jumbo Home Loans

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.
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Subject to approval.


*No Closing Costs offer available for owner occupied primary residential purchases, properties owned free and clear and external (non-SDCCU) refinance only. Refinance and second home refinancing not available on Power Purchase loans. Existing SDCCU home loans may be refinanced to the 5/5 ARM but are not eligible for the No Closing Costs offer. 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. 


**Payment examples:

A $420,000, 10-year fixed rate at an interest rate of 5.875% (6.009% APR) would have a monthly principal and interest payment equal to $4,637. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

A $420,000, 15-year fixed rate at an interest rate of 6.000% (6.095% APR) would have a monthly principal and interest payment equal to $3,544. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

A $420,000, 20-year fixed rate at an interest rate of 6.500% (6.577% APR) would have a monthly principal and interest payment equal to $3,131. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

A $420,000, 30-year fixed rate at an interest rate of 6.875% (6.935% APR) would have a monthly principal and interest payment equal to $2,759. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

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!

Home Loan Assistance

We provide home loan assistance.

Explore Home Loan Assistance

Adjustable Rate Mortgages Handbook

Learn if an Adjustable Rate Mortgage is the right choice for you.

Explore Adjustable Rate Mortgages Handbook

Home Loan Toolkit

Make better choices along your path to owning a home.

Explore Home Loan Toolkit

Home Loan Calculators

View free home loan calculators to assist in your home buying journey.

EXPLORE HOME LOAN CALCULATORS

WHAT PEOPLE ARE SAYING

“The best when it comes to home mortgage rates & the most sincere bank representatives my family deals with. Thank you!”

Alfonso M.

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FAQS

Frequently Asked Questions

  • How can I make a loan payment to another financial institution using Internet Branch online banking?

    SDCCU offers many convenient ways to make a loan payment. For a loan payment to another account, please use Bill Payer Plus®. 

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