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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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We will be performing network maintenance on our systems on Wednesday May 24th from 10pm to 10:30pm. During this time, www.smcu.org, SMCU OnLine, SMCU Mobile and Call24 will be unavailable. We apologize for any inconvenience this may cause.

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Continue an Existing Application
Get a Custom Rate Quote

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

Click here to book an appointment with one of our home loan experts.

Your home is an investment in your future

Improvements to your current home, upgrading to a new home, or even buying investment properties are all things to consider as a home owner. Make SMCU your mortgage partner – we offer great rates, low fees, down payments as low as 3%, and special loan options for every type of buyer.

Free Seminar: Real Estate, Your Smart Investment

If you’re a home owner, you may be thinking about what to do next. Let the mortgage experts at SMCU walk you through different investment options from buying up to buying additional properties.

  • When: Saturday, June 24, 2017 from 12:30pm – 1:30pm
  • Where: SMCU Headquarters - 350 Convention Way, Redwood City (Map It)

This seminar is free and open to everyone (you do not need to be an SMCU member to attend).

Get $500 off Closing Costs*
From now through June 30, apply for a loan to buy a home and you’ll get $500 off closing costs.

SMCU makes buying a home easier with the following benefits:

  • Down payments as low as 3%
  • Amounts up to $2.5 million
  • Close in as few as 21 days
  • 20% realtor commission rebates through HomeAdvantageTM

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

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 a property; refinancing and equity loans excluded. Must complete application including purchase contract by June 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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