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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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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

Real Estate Seminar

Tired of Renting or ready to buy something new?

San Mateo Credit Union is ready to help you own a home with great rates, low fees, down payments as low as 3%, and special loan options that make home ownership easier and more affordable.

Free Home Buying Seminar
SMCU Mortgage Experts give you simple, easy-to-follow steps to buying a home and answers to all of your mortgage questions.

  • When: Saturday, August 18, 11:00 am – 12:30 pm
  • Where: SMCU Headquarters - 350 Convention Way, Redwood City (Map It)

This seminar is free and open to the public. You do not need to be an SMCU member to attend.

RSVP now using the form below!

SMCU Mortgage Overview
Our loans are designed with you in mind.

  • Jumbo loans up to $3.5 million
  • New no-cost ARM1
  • An 80/10/10 loan that lets you avoid PMI2
  • 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

Learn More     Apply Now

We do home refinancing, too.
Before rates go up again, make sure you refinance your home to save money or cash out some equity.

Learn More    Apply Now

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

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 is 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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