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
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.

Free Home Buying Seminar

February 24, 2018 at 11:00am
Join SMCU for a free seminar to learn how to buy a home and get answers to all of your mortgage questions. Open to the public!

Learn More and RSVP >>

  • 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.

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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