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New to SMCU?

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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.

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

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First-time buyer?

Low down payment loans

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Couple unpacking in their new home

Come home to a no cost loan.

There’s no doubt that home values, especially in Northern California, are at record highs. So SMCU wants to provide you with as many options as possible to make home ownership easier. One of those ways is our no-cost adjustable rate mortgage (ARM).

The no-cost option lets you:

  • Pay a slightly higher interest rate instead of paying closing costs, which are usually around 1% of the total loan value
  • Put all excess cash toward a down payment, maximizing your purchase power
  • Avoid any pre-payment penalties

If you’re interested in the no-cost ARM but want to learn more about it, you can speak to an SMCU mortgage expert before you apply.

Other ways SMCU makes home ownership easier:

  • Jumbo loans up to $3.5 million
  • An 80/10/10 loan that lets you avoid PMI
  • Down payments as low as 3%*
  • Close in as few as 21 days

Ready to make your move?

Get Pre-approved Now

The no-cost adjustable-rate mortgage option covers all non-recurring closing costs, is available on 30-year ARM terms only, and requires a minimum loan amount of $200,000. 

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.

*May vary based on loan amount and other factors.

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