We offer competitive rates, plus a wide variety of buyer programs.

  • Competitive, low rates for home purchase or refinance
  • Available for primary residence, vacation homes, or investment properties
  • A wide range of financing programs available:
    • Fixed Rate Mortgages
    • Adjustable Rate Mortgages (ARMs)
    • Jumbo Mortgages
  • Get financing for up to 97% LTV1
    • Available in amounts from $50,000 to $750,000
  • Budget-friendly repayment terms, unique to your situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Detailed, attentive service from start to finish

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

Need Homeowners Insurance? For a free quote, go to the HCCU Insurance Agency online.


1Financing 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.