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.

Refinance Under 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 Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of the Home Affordable Refinance Program (HARP).1

Check out these top reasons to refinance now under HARP:

  • There is no maximum home value limit
  • No out-of-pocket costs for you
  • Refinance at today's historic low rates

Check your eligibility now!

Check to see if your loan is owned by Fannie Mae.

Call our Contact Center at 916.364.1700 or 800.233.6328 for more details or to apply for refinancing under HARP 2.0.

1Terms, 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.


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.