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Home Loans: Apply by September 14 and you could win a family vacation

Buying a home can be a trip -- the Mortgage Experts at SMCU will get you there.

We offer all of the following mortgage options and more

  • Jumbo loans up to $3.5 million
  • Great rates on fixed and adjustable-rate loans: Get a custom rate quote >
  • Cash-Out Loan lets cash buyers refi for 75% cash out after 30 days1
  • An 80/10/10 loan that lets you avoid PMI2
  • 40-year ARMs available2
  • Refinance loans for a lower monthly payment or cash out
  • Close quickly -- within 10 days when you buy a home or we'll give you $500!3
  • Home Equity Loans and Lines of Credit

You may not need a large down payment

  • As low as 5% down up to $1 million
  • As low as 10% down up to $1.5 million
  • As low as 25% down up to $3.5 million

Leaving home is fun, too

Apply for an SMCU mortgage to buy or refinance your home by September 14 and you could win one of three 3-day/2-night trips for a family of four to Disneyland® + a $200 Visa® Gift Card.4

Apply today

We work with you to find solutions that work for you – because owning a home should be an option for everyone. To get started, apply now to get prequalified or contact us using the form below. You can also call (650) 363-1799.
Win 1 of 3 Family Vacations
Apply for a first mortgage by September 14 and you could win a family trip to Disneyland
Now is the time to make your move!
Apply Now


Contact an SMCU Real Estate Expert – we’ll get right back to you:

What mortgage type are you interested in? (Check all that apply.)

Are you a current SMCU member?

All mortgage loans through San Mateo Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. San Mateo Credit Union NMLS #416747.

The 75% loan-to-value “Cash out loan” is available up to $2,500,000 on 30-year term adjustable-rate mortgages only.
The 80/10/10 and 40-year terms on ARMs available for purchase mortgages only; no refinances.
The Fast Closing Guarantee (“Guarantee”) is available only on an approved application for a first-position loan used to purchase an owner-occupied 1-4 unit California residential dwelling. Applicant must request the Fast Close Guarantee at the time of application, from their SMCU Real Estate Loan Officer. If, due to circumstances within SMCU’s control, an eligible loan fails to close within 10 days after SMCU receives a complete loan application, borrower will receive $500. A complete application includes, at minimum, all documents and verifications required of applicant and third parties such as employer, appraiser, title company and HOA; additional documents may, at SMCU’s reasonable discretion, be required before an applications package is deemed complete for purposes of this Guarantee. Offer may change or be discontinued at any time without notice. Please ask an SMCU Mortgage Representative for complete details.
NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older. A first mortgage application submitted between 6/17/19 and 9/14/19 will be counted as an entry. No other loan types are eligible. Three (3) vacation packages will be awarded; odds of winning based on total number of entries. Click here for complete rules and details.