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Home Lending Center

Resources to help you finance and protect your most valuable asset

Whether you're a first-time home buyer or a long-time homeowner, San Mateo Credit Union provides the products and personal expertise you need. We'll help you secure financing for purchases or refinances, and we'll connect you to insurance agents who can customize a policy to fit.

Limited Time Offer: $700 off appraisal costs* when you complete your residential mortgage application with San Mateo Credit Union. Offer good until December 31, 2022


Home Mortgages
Come home to excellent service and competitive rates.
  • Choose from fixed and adjustable options
  • Special programs for first-time buyers
  • Jumbo loans for larger purchases and refinances
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Mortgage Refinance
Ours is a refinancing process that's easy to live with.
  • Secure a lower rate to save money
  • Shorten your term
  • Convert from adjustable to fixed, or vice versa
Learn More


Rate Modification
Home Loan rates are at an all-time low. You may be able to reduce the current rate on your existing SMCU first mortgage in a few easy steps!
  • No application required; simply fill out a form
  • Low modification fee and sign electronically
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Home Equity
Tap into your home's market value for big projects.
  • Loans and lines of credit available
  • Use for major expenses or debt consolidation
  • Choose fixed or variable rate
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Home Loan Experts
Meet the mortgage team that's in your corner.
  • Experts in the San Mateo County market
  • We'll explain your options
  • Support every step of the way
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Home Insurance
Protect your home and all that it stands for.
  • Coverage for a house, condo or manufactured home
  • SMCU members save money
  • We partner with TruStage
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Home Buyers Guide
Get started with our comprehensive guide to finding, buying and financing a home.
  • Home financing options
  • House hunting tips
  • And, more!
Learn More

*Mention the $700 off appraisal cost offer when completing your residential mortgage application with San Mateo Credit Union (SMCU). This offer is good only when closing your home loan with SMCU by 12/31/2022. Loans offered on condition of credit and underwriting approval. This offer cannot be combined with any other SMCU mortgage promotions, cannot be redeemed for cash, and is non-transferable. Your appraisal fee will be collected at the time of your appraisal and credited back to you upon successful close of escrow. Offer is valid for first mortgages only. California properties only. All loans subject to credit approval. Additional conditions and restrictions may apply. Federally insured by NCUA. NMLS #416747.

Home Equity Loan
Build your budget around a predictable loan to pay for major expenses.

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