Home Loans

Your home is one of your greatest investments. Whether you’re looking to buy a home, refinance your home or pay for home improvements – we have a low-rate loan for you. Our low rates and simple approval process make financing hassle free. We also finance second home and investment properties.

First Mortgage Purchase Loans

Buying a home is an exciting time!  Our low rates and simple approval process make purchasing a home easy.  To make the search for a new home easier, we can pre-qualify you for your new home purchase.  Knowing how much you qualify for will help narrow your search and give you an added advantage when it comes to making an offer.  We also finance second home and investment properties.

Our first mortgage loans feature:

Receive a loan decision in minutes!  Apply online or call a member service representative at (888) 858-6878. Use our online loan calculator to help determine your monthly payments.

For information about refinancing an existing mortgage loan, visit our Refinance Loans page or use Loan Saver. Loan Saver can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners.  Please consult your tax advisor for details.

Complete rate details and representative examples.

Home Equity Loans and Lines of Credit

Whether you’re making home improvements, paying for education expenses or consolidating debt – we have a low-rate home equity loan for you. Our low rates and simple approval process make accessing your equity easy. We offer home equity loans on owner-occupied, second homes and investment properties.

Choose a home equity line of credit with interest-only payments or a home equity loan with a fixed rate and term. Both options feature no points, no fees and no closing costs.

The chart below may help you decide which option is best for you. Please find content for chart here:


Home Equity Loan PrimeLine Home Equity Line of Credit Home Equity Loan Second Home or Investment Property

APR Current APR
Closed-end, fixed-rate loan
Current APR
Prime rate minus 0.50% APR
Variable-rate line of credit
Current APR
Closed-end, fixed-rate loan
Perfect if A home equity loan is perfect for one-time expenses like debt consolidation, home improvements or paying for a wedding. A home equity line of credit is perfect if you need the money periodically over time, for example a home remodeling project, or to pay for college tuition. This gives you the flexibility to borrow what you need when you need it. You want to borrow money using the equity in your second home or investment property.
Rates The rate is fixed and so are the monthly payments to help you budget accordingly. The rate is variable and is tied to the Prime rate as published in the Wall Street Journal, so the rate can go up or down over time, which will affect your monthly payment. The rate is fixed and so are the monthly payments to help you budget accordingly.
Points, Fees, Closing Costs No points, no fees, no closing costs for loans over $15,000 No points, no fees, no closing costs for loans over $15,000. Loans over $250,000 pay actual costs ranging between $500 and $700. No points, no fees, no closing costs for loans over $15,000
Term Choose a term up to 15 years. Pay interest only for up to 10 years, followed by 15 years of fully amortized payments. Choose a term up to 12 years.
Borrow Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500 on California properties Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500 on California properties. Borrow up to 70% of the appraised home value to a maximum of $500,000 on California properties.

Receive a loan decision in minutes! Apply online or call a member service representative at (888) 858-6878.  After approval, loan documents will be mailed within days.  Use our online loan calculator to help determine your monthly payments.

If you already have a home equity loan with another lender, we may be able to lower your monthly payments with our simple refinance process.  Find out how much you may be able to save with Loan Saver. Our Loan Saver can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners. Please consult your tax advisor for details.

Complete rate details and representative examples.

Refinance Loans

Refinancing your home, second home or investment property may allow you to lower your rate or monthly payments.  You also have the opportunity to convert an adjustable rate to a fixed rate.  Give us a few minutes and a phone call and we’ll provide you with a free mortgage analysis to see if we can save you money.  Our low rates and simple approval process make refinancing your home easy.

We have two ways to refinance your home:

  • Traditional First Mortgage Refinance
  • PrimeLine First – Home Equity Line of Credit Refinance

The chart below can help you decide which option is best for you.

Traditional Mortgage Loans PrimeLine First
Rates Current Rates
Fixed or variable-rate options
Current Rates
Variable rate line of credit;
Prime rate minus 0.75% APR
Points, Fees, Closing Costs No point options or use points to “buy down” your rate No points, no fees, no closing costs for loans up to $250,000
Terms Flexible terms Pay interest only for up to 10 years, followed by 15 years of fully amortized payments
Loan to Value Varies Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500
Balance Details Varies Funds become available as you pay down the balance
Loan Documents Traditional Processing Loan documents mailed within days
Funds Access No Access your funds with free checks or through BranchLine

Receive a loan decision in minutes! Apply online or call a member service representative at (888) 858-6878. After approval, loan documents will be mailed within days. Use our online loan calculator to help determine your monthly payments.

If you already have a home equity loan with another lender, we may be able to lower your monthly payments with our simple refinance process.  Find out how much you may be able to save with Loan Saver. Our Loan Saver can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners.  Please consult your tax advisor for details.

Complete rate details and representative examples.

On the House Refinance

Payoff your first mortgage with our no-cost mortgage refinance loan.  With mortgage rates at record lows, now’s the perfect time to fix an adjustable rate or reduce your term to accelerate pay-off.  You can refinance your home for free and even take cash out with our 7- or 15-year On the House loan. This loan features no costs, no points and no fees.  No kidding – they’re “On the House!”

On the House features:

  • Low, fixed rates
  • No closing costs, no points, no origination fees
  • Short, 7- or 15-year term
  • 100% tax-deductible interest for most California homeowners
  • Borrow up to 80% of your home’s value

Receive a loan decision in minutes! Apply online or call a member service representative at (888) 858-6878. After approval, loan documents will be mailed within days. Use our online loan calculator to help determine your monthly payments.

If you already have a mortgage loan with another lender, we may be able to lower your monthly payments with our simple refinance process.  Find out how much you may be able to save with Loan Saver. Loan Saver can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners. Please consult your tax advisor for details.

Complete rate details and representative examples.

Jumbo Loans

Jumbo loans are a good solution for members who are looking to purchase or refinance a home. With a jumbo loan you will get low rates for your dream home.

Our jumbo loans feature:

  • Fixed or variable rates
  • Flexible terms
  • No point loans
  • No pre-payment penalties
  • Loans between $625,501 to $2,500,000

Receive a loan decision in minutes!  Apply online or call a member service representative at (888) 858-6878. Use our online loan calculator to help determine your monthly payments.

For information about refinancing an existing mortgage loan, visit our Refinance Loans page or use Loan Saver.  Loan Saver can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners.  Please consult your tax advisor for details.

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