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Open the door to your new home

San Mateo Credit Union wants to be the best neighbors we can be. That means excellent in-house service, competitive rates, making sure we find the mortgage that best fits your needs -- and then closing that loan as fast as possible. In fact, once we've received all of your third-party documents, we guarantee we can close your purchase loan within 10 days or we'll give you $500.*

Which mortgage works best for you? Browse the options below and then get a custom rate quote.


First-Time Home Buyer Mortgages
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Fixed Rate Mortgages
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Adjustable Rate Mortgages
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Jumbo Loans
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* 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.
Home Equity Loan
Build your budget around a predictable loan to pay for major expenses.