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 end of year maintenance on our systems on Sunday December 11th from 9am to 10am. During this time, SMCU OnLine, SMCU Mobile and Call24 will be unavailable. We apologize for any inconvenience this may cause.

Contact a Mortgage Specialist
Our friendly Real Estate Specialists are waiting to help you. Contact them now.
(650) 363-1799
Mon-Thurs 8am - 5pm
Fri 9am - 6pm
Mortgage Terms - T

Tax Lien
Lien for nonpayment of taxes.
Tax Sale
Public sale of property at auction by governmental authority, after a period of non payment of property taxes.
Tenancy by the Entirety
A form of ownership by husband and wife whereby each owns the entire property. In event of death of one, the survivor owns the property without probate.
Time is of the Essence
Legal phrase in a contract, requiring punctual performance of all obligations.
Title
Often used interchangeably with the word ownership. It indicates the accumulation of all rights in property by the owner and others.
Title, Escrow and Closing Agent Fees
These companies charge various fees for their services..
Title Insurance
An insurance policy which protects the insured (purchaser and lender) against loss arising from defects in title.
Title Search
A review of the public records to make sure that no adverse claims affect the value of the title.
Truth in Lending Statement (Regulation Z)
A federal government regulation that provides details of the cost of obtaining a mortgage loan. Lenders must provide this shortly after the loan application has been completed.
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