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.

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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.

×
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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.

We've got your back (yard)!

Apply for a mortgage to buy or refinance your home by September 30 and you could win a gas grill + $250 SMCU Visa® Gift Card.*

  • Jumbo loans up to $3.5 million
  • Great mortgage rates for fixed and adjustable-rate loans
  • New No-Cost ARM1
  • An 80/10/10 loan that lets you avoid PMI2
  • 40-year ARMs available2
  • 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 million3
  • 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.

* NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older. A first mortgage application submitted between 6/4/18 and 9/30/18 will be counted as an entry. Applications to refinance an existing SMCU mortgage are not eligible to win. Limit one entry per household (address). Click here for full contest rules and details.

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 80/10/10 and 40-year terms on ARMs available for purchase mortgages only; no refinances.
3. 5% down on loan amounts up to $1 million does not apply on our 3/1 ARM Jumbo or 40 Year Amortization Products.

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