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

Book an appointment with one of our home loan experts.

Contact Me

Make an Appointment

Buy or refi: $1,000 off closing costs through 9/30*

San Mateo Credit Union is ready to help you own or refinance a home with great rates, fast service, and so much more... 

  • Jumbo loans up to $3.5 million
  • Expert advice and constant communication throughout the mortgage process
  • $1,000 off closing costs if you apply by September 30*

And if you’re buying home, SMCU offers:

  • New 40-year ARM options
  • An 80/10/10 loan that lets you avoid PMI
  • Down payments as low as 3%
  • Close in as few as 21 days
  • 20% realtor commission rebates through HomeAdvantageTM

Learn More    Apply Now

Make an Appointment with an SMCU Mortgage Expert

We'll answer any questions you have and walk through your goals and you individual financial situation to figure out the best loan and down payment option for you. You do not have to be a member to make an appointment and we'll meet you at one of our local branches.

Make an Appointment

Home equity loans and lines of credit.
Home improvements or additions, tuition expenses, debt consolidation and more. If you have equity, you have options.

Learn More    Apply Now

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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