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

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Contact a Mortgage Specialist
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(650) 363-1799
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Mortgage Terms - R

Real Estate
Land and anything permanently affixed to the land, and those things attached to the building.
Realtor
Registered name for a member of the National Association of Realtors.
Realtor Associate
Salesperson associated with a broker who is member of a Board of Realtors.
Recital
Setting forth in a deed or other writing some explanation for the transaction.
Recourse
The right of the holder of note secured by a mortgage or deed of trust to look personally to the borrower or endorser for payment.
Redlining
The practice of refusing to provide loans or insurance in a certain neighborhood.
Refinancing
The repayment of a debt from the proceeds of a new loan using the same property as security.
Reissuerate
A charge for a title insurance policy if a previous policy on the same property was issued within a specified period. Reissue is less than the original charge.
REIT (Real Estate Investment Trusts)
A method in investing real estate in a group, with certain tax advantages.
Recision of Contract
Annulling a contract and placing the parties to it in a position as if there had not been a contract.
Release
An instrument releasing property from the lien of the mortgage, judgment, etc.
RESPA (Real Estate Settlement Procedures Act)
A federal statute requiring disclosure of certain costs in the sale of residential improved property which is to be financed by a federally insured lender.
Revenue Stamps
Formerly federal tax on a sale of real property. Canceled and replaced by state tax stamps.
Reverse Mortgage
A special program for the elderly that provides income until death. Payment requirements are arranged through the increase in the principal amount of the loan.
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