New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×
Security Lock SMCU OnLine Login
Apply Now

Continue an Existing Application
Get a Custom Rate Quote

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

Book an appointment with one of our home loan experts.

Contact Me!

Fill out the request form and an SMCU mortgage expert will contact you.

Request Contact

Buy or refinance with jumbo loans up to $3.5 million

San Mateo Credit Union is ready to help you buy or refinance a home with great rates, fast service, and a variety of flexible first mortgage options to make ownership easier.

$500 off closing costs*

Apply for a first mortgage to buy or refinance your home by December 31, 2018, and SMCU will give you $500 off closing costs when you fund your loan.

Now is the time to make your move!

  • Jumbo loans up to $3.5 million
  • Great mortgage rates for fixed and adjustable-rate loans
  • No-Cost Loan offers a no closing cost option1
  • New Cash-Out loan lets cash buyers refi for 75% cash out after 30 days2
  • An 80/10/10 loan that lets you avoid PMI3
  • 40-year ARMs available3
  • Close in as few as 21 days

And you may not need as large a down payment as you think:

  • As low as 3% down up to $679,650
  • As low as 5% down up to $1 million4
  • As low as 10% down up to $1.5 million

We work with you to find solutions that work for you – because owning a home should be an option for everyone. You don’t need to be a current SMCU member to apply; you’ll become one during the process!

Apply or Get Pre-approved Now

Get in touch with an SMCU Mortgage Expert in one of three ways:

Contact Us
Give us a call at (650) 363-1799 (Option #1) or you can email us at reloanofficers@smcu.org.

We’ll Contact You
Fill out a simple request form and we’ll get in touch with you via phone or email.

Request Contact

Make an Appointment
Find a time that works for you and we’ll meet you at one of our local branches.
 

Make an Appointment

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 an SMCU mortgage loan in first position used to purchase or refinance a property; equity loans and lines of credit excluded. Not valid for refinancing an existing SMCU mortgage. Must complete application between 10/1/18 and 12/31/18. 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 relationship tier rebates on closing costs or any other special offers.

1. The no-cost adjustable-rate mortgage covers all non-recurring closing costs, is available on 30-year ARM terms only, and requires a minimum loan amount of $200,000.
2. The 75% loan-to-value “Cash out loan” is available up to $2,500,000 on 30-year term adjustable-rate mortgages only.
3. The 80/10/10 and 40-year terms on ARMs available for purchase mortgages only; no refinances.
4. 5% down on loan amounts up to $1 million does not apply on our 3/1 ARM Jumbo or 40 Year Amortization Products.

close
7