Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Open An Additional Account

If you are a current member of SMCU, opening additional accounts is easy. Just log into SMCU OnLine and click "Open an Additional Account" located in the Services section of the online home page.

Open Another Account Through SMCU OnLine               Open Another Account as a Guest

Security Lock SMCU OnLine Login

Text/Phone Scam Alert
If you receive a text message or call claiming to be from SMCU that asks you to verify account information, do not reply or provide any information.
Learn More

$1,000 off closing costs. Buy or refinance your home.
Apply Now

Continue an Existing Application
Get a Custom Rate Quote

Questions?
Call (650) 363-1799 (Option #1)
Email: reloanofficers@smcu.org

Click here to book an appointment with one of our home loan experts.

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Realtors & Rebates

Enjoy the HomeAdvantage™

Click for details

First-time buyer?

Low down payment loans

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Book an appointment

Speak to a mortgage expert

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Mortgages

Weíll find a way to get you the home you want.

Special Mortgage Offers

$1,000 off Closing Costs*
Apply to purchase or refinance a home by September 30.

New! 40-Year Loan Options
A longer term can make home ownership more affordable.

Learn More >>

Once youíve decided to buy a home, refinance, or use your home equity, getting the loan should be easy. Let San Mateo Credit Unionís mortgage experts help you choose the loan thatís right for you and then guide you through our smooth and simple process.

SMCU offers first mortgages, including jumbo loans up to $3.5 million, with competitive rates, low fees, and on-time closing. Not sure yet whether home ownership is for you? Take a look at our first-time homebuyer resources, including free seminars.

Trust SMCU with your home loan and youíll experience the benefits that a local, not-for-profit lender can provide. Contact us for more information or you can apply or get pre-approved online.

Apply or Get Pre-approved Now

You donít need to already be a member to apply; youíll become one during the process!

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.

*Offer valid only for a mortgage in first position used to purchase or refinance a property; equity loans excluded. Not valid for refinancing an existing SMCU mortgage. Must complete application (including purchase contract if buying a home) from May 26, 2017 through September 30, 2017. Mortgage closing cost credit applies only to the fees associated with non-recurring closing costs and does not apply to the principle loan amount borrowed. Offer cannot be combined with any Partner/Preferred Member relationship tier rebates on closing costs.

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