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Mortgages

Whether you've just made an offer on your dream home, want to check today's rates, compare a 2nd mortgage to a HELOC or are just wondering what title insurance is, we're ready to help. We're dedicated to making the home loan experience a positive one and minimizing the hassle and stress of buying a home or re-financing an existing one.

First Mortgages

SMCU offers a variety of mortgage solutions to fit your needs. Interested in purchasing or refinancing a home? Check out our Financial Education Article titled "Before Buying Your First House" in our Financial Education area.

Which loan is right for you?
Not sure what type of loan is right for you? Read our article on Evaluating Mortgage Types.

Want to tap into your home's equity to remodel a kitchen or bathroom? Maybe you want to do some landscaping, consolidate bills to a lower interest rate or take a nice vacation and relax. Click here for information on Home Equity Loans and Home Equity Lines of Credit.

Find out how a Reverse Mortgage can help you enjoy your retirement by using the equity in your home. Click here for information on Reverse Mortgages.

We Offer FHA Loans

This could be your answer to buying your first home!  Whether you are purchasing a new home, renovating a house, or simply making your current home more energy efficient, a FHA home loan could be the mortgage loan solution for you.  It offers low down payment options, low closing costs and easy credit qualifying.
Features:

  • 3.5% down payment of purchase
  • Loan amounts up to $625,5001
  • Owner- occupied California properties only: primary residences, 1-4 unit dwellings
  • Mortgage insurance (MIP) requirement2

Call our Real Estate Specialists today, at (650) 363-1799, to find out how we can help you.

SMCU Mortgage Products Resources Tools
Fixed Rate Loans Mortgage Financial Education Apply Now
Adjustable Rate Mortgages Definitions Mortgage Rates
Reverse Mortgages Before Buying Your First House Calculators

Get Today's Rates.

Ready to apply?
Convinced that the time for a home loan is now? Apply online, call us at (650) 363-1799 or visit a branch.

Learn more
Want to find out more about the entire home loan process? Learn how to get started.

Try our calculators
Our online tools can make planning your home purchase quicker and easier. Click here now.

1 Maximum loan amount varies based on type of property and county locations. Not available in all California counties. Other mortgage loan product options are available. All loans subject to credit, income, debt, and property value qualifications. 2 Mortgage insurance premiums applicable, contact the Real Estate Department at (650) 363-1799. Additional conditions and restrictions may apply. Rates and terms subject to change without notice. All loans require San Mateo Credit Union membership and credit approval. You are eligible for membership in SMCU if you live, work, worship, or study in San Mateo County. A one-time, non-refundable membership fee of $10.00 is required to join. Equal Opportunity Lender.

Home Equity Loan

Remodel, travel, learn, build—just about anything is possible!
  • A fixed interest rate gives you surprise-free monthly payments
  • Title and Recording costs may be paid for by SMCU
  • Combined Loan-to-Values (CLTV) to 70%.
  • Interest may be tax deductible (please consult a tax advisor)
  • Apply today. Apply online!

Have questions?
Call a Real Estate Specialist at (650) 363-1799—we're happy to answer any questions you have.

Prefer to unlock your home equity with the flexibility and convenience of a credit card? Learn more about our Home Equity Line of Credit (HELOC).

Home Equity Loan details:

No matter what your dreams, SMCU's Home Equity Loan is a smart way to get cash. You've worked hard to increase your home's equity, so why not take advantage of it? A drive by appraisal for loan amounts up to $100,000.00 and a full appraisal will be required on loan amounts over $100,000.00 up to $150,000.00. All Appraisal costs will be paid for in advance from the member applying for the loan request. The maximum loan amount is $150,000.00. 

The amount of money you can borrow is based on a number of factors, such as the available equity in your home, your credit history and the type of property you own. Choose from a variety of rates and terms to get the loan that's right for you.

Why a Home Equity Loan?

  • Debt consolidation—use your equity to pay off higher-interest bills.
  • Home purchase—use the equity in one home to purchase another.
  • Emergencies—help with sudden medical bills or other types of emergencies.
  • Education—pay for education, including college, graduate or technical schools.
  • Home improvement—remodel your kitchen, put in a swimming pool or even build an addition on your house.

Unsure if a Home Equity Loan is right for you? See a comparison of our Home Equity Loans and Home Equity Lines of Credit. Or check out our Home Equity Line of Credit (HELOC) options.

Want to find out more?
Try our handy Tools & Calculators.

1 Up to $100,000

Home Equity Line of Credit (HELOC)

Benefits

  • Apply Today. Apply online!
  • Possible tax advantages
  • A HELOC is a good choice if you want to have money available for both current and future needs
  • Access funds through line of credit checks or advances
  • Title and Recording costs may be paid for by SMCU

HELOC details:

SMCUs Home Equity Line of Credit (HELOC) gives you the flexibility and convenience of a credit card. A drive by appraisal will be required on loan requests. All Appraisal costs will be paid for in advance from the member applying for the loan request.

  • It's a revolving line of credit, with a variable interest rate, based on the available equity in your home and other qualifying criteria.
  • Maximum loan amount $100,000.
  • A HELOC is a good choice if you want to have money available for both current and future needs.
  • Combined Loan-to-Values (CLTV) to 70%.
  • First 10 years to draw on line of credit, then 15 years to repay loan.

Have questions?
Call a Real Estate Specialist at (650) 363-1799 or visit a branch near you—we're happy to answer any questions you have.

Ready to apply?
Click here to apply now.

Unsure if a HELOC is right for you?
See a detailed comparison of our Home Equity Lines of Credit and Home Equity Loans.

Investment Properties

Non-Owner Occupied/Investment Property First Mortgage Loans

This loan is right for you if you are purchasing or refinancing an investment property. With our non-owner occupied loan, you may be able to lower your interest rate and monthly payment on your investment property.

Our non-owner occupied loan offers:

  • Financing on one to four unit dwellings
  • Loan amounts to $625,500
  • 30 and 15 year fixed rate loans

Rates and terms subject to change without notice. Additional conditions may apply.