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Loans

Home Loans


HCCU can help with ALL your home mortgage needs!

Let your trusted credit union show you how we can help with great financing and dedicated service for your most important investment—your home!

Now is a great time to learn about the special treatment and home financing options available exclusively to HCCU members.

Our competitive mortgage rates, flexible terms, and fast processing make getting a home loan with HCCU easy and affordable. Consider these HCCU advantages:

  • Refinance with NO REFINANCE FEES4
  • Purchase a new home with NO LENDER FEES3
  • Enjoy LOW, affordable mortgage rates (no points)
  • Get Financing up to 97% LTV*
  • Choose fixed 10, 15, 20, and 30 year terms1
  • Or, adjustable terms with 3, 5, 7, and 10-year ARMs (Adjustable Rate Mortgages)2

With mortgage rates at near-historic lows, now is the time to see what your credit union can do for you! Use our mortgage calculator to determine how much mortgage you may qualify for, and talk to us!

An HCCU Member Home Loan Specialist is ready to discuss your needs and options with financing available for amounts from $50,000 to $750,000, rate locks up to 60 days, and no prepayment penalty. We can also answer questions about the HARP 2.0 Program and eligibility requirements.

Click the link below for our fast and easy online application. You can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop buy an HCCU branch and let’s chat face-to-face!

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

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*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 $861.28 for a 30-year fixed term. 2$175,000 at 4.00% APR (single variable rate) requires a monthly payment of $835.86 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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