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Loans

First Mortgages 

1st Mortgages

Buying or Refinancing

Whether you are financing a new home purchase or refinancing an existing mortgage, HCCU is committed to helping you choose the right mortgage package for you. Our competitive mortgage rates, flexible terms, and fast processing times, make getting a mortgage loan with HCCU, easy and affordable. Our mortgage program includes:

  • No Lender Fee Purchase3
  • No Fee Refinance4
  • Low, affordable mortgage rates (no points)
  • Financing up to 97% LTV*
  • 10, 15, 20, and 30 year fixed terms1
  • 3, 5, 7, and 10-year ARMs (Adjustable Rate Mortgages)2
  • Financing available for amounts from $50,000 to $750,000
  • Rate locks up to 60 days
  • No prepayment penalty
  • Use our mortgage calculator to determine how much mortgage you may qualify for

Apply Now!

Interested in refinancing your existing mortgage? With mortgage rates at near-historic lows, now could be the right time for you! Consider these important questions:

  • Do you have sufficient equity in your home to refinance?
  • Can you reduce your current interest rate based on today's rates?
  • Do you have an adjustable rate mortgage that you would like to refinance to a fixed rate mortgage product?

Already have a HCCU Mortgage? Visit our Mortgage Service Center.

*Financing up to 97% LTV is available for loan amounts up to $417,000. All loans exceeding 80% LTV will require Private Mortgage Insurance. Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply.

1$175,000 at 4.25% APR requires a monthly payment of $860.89 for a 30-year fixed term.

2$175,000 at 4.00% APR (single variable rate) requires a monthly payment of $309.62 for a 30-year term

3Only third party fees (appraisal, title, inspections, etc.) apply to a purchase mortgage. Fannie Mae conforming loans only. Secondary market guidelines apply. Available on all terms up to 30 years.

4No lender or third party fees apply. Fannie Mae conforming loans only. Secondary market guidelines apply. Available on all terms up to 30 years. Minimum cash out of $75,000 required on mortgages currently held with HCCU.


Refinance Under the HARP Program

Do you want to refinance your mortgage but owe more than your home is worth? If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of the Home Affordable Refinance Program (HARP).

Check out these top reasons to refinance now under HARP:

Check your eligibility now! Check to see if your loan is owned by Fannie Mae. Check to see if your loan is owned by Freddie Mac. Contact our Call Center at 916.364.1700 or 800.233.6328 for more details or to apply to refinance under HARP 2.0.

Terms, conditions, and availability subject to change. Property insurance required; flood insurance may be required. Subject to credit approval and property valuation. PMI may be required on loans in excess of 80% CLTV. Limited to properties located in CA. Other restrictions may apply and not all existing loans may qualify for this program.

 

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