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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Mortgages

Whether you've just made an offer on your dream home, want to check today's rates, compare a 2nd mortgage to a HELOC or are just wondering what title insurance is, we're ready to help. We're dedicated to making the home loan experience a positive one and minimizing the hassle and stress of buying a home or re-financing an existing one.

First Mortgages

SMCU offers a variety of mortgage solutions to fit your needs. Interested in purchasing or refinancing a home? Check out our Financial Education Article titled "Before Buying Your First House" in our Financial Education area.

Which loan is right for you?
Not sure what type of loan is right for you? Read our article on Evaluating Mortgage Types.

Want to tap into your home's equity to remodel a kitchen or bathroom? Maybe you want to do some landscaping, consolidate bills to a lower interest rate or take a nice vacation and relax. Click here for information on Home Equity Loans and Home Equity Lines of Credit.

Find out how a Reverse Mortgage can help you enjoy your retirement by using the equity in your home. Click here for information on Reverse Mortgages.

We Offer FHA Loans

This could be your answer to buying your first home!  Whether you are purchasing a new home, renovating a house, or simply making your current home more energy efficient, a FHA home loan could be the mortgage loan solution for you.  It offers low down payment options, low closing costs and easy credit qualifying.
Features:

  • 3.5% down payment of purchase
  • Loan amounts up to $625,5001
  • Owner- occupied California properties only: primary residences, 1-4 unit dwellings
  • Mortgage insurance (MIP) requirement2

Call our Real Estate Specialists today, at (650) 363-1799, to find out how we can help you.

SMCU Mortgage Products Resources Tools
Fixed Rate Loans Mortgage Financial Education Apply Now
Adjustable Rate Mortgages Definitions Mortgage Rates
Reverse Mortgages Before Buying Your First House Calculators

Get Today's Rates.

Ready to apply?
Convinced that the time for a home loan is now? Apply online, call us at (650) 363-1799 or visit a branch.

Learn more
Want to find out more about the entire home loan process? Learn how to get started.

Try our calculators
Our online tools can make planning your home purchase quicker and easier. Click here now.

1 Maximum loan amount varies based on type of property and county locations. Not available in all California counties. Other mortgage loan product options are available. All loans subject to credit, income, debt, and property value qualifications. 2 Mortgage insurance premiums applicable, contact the Real Estate Department at (650) 363-1799. Additional conditions and restrictions may apply. Rates and terms subject to change without notice. All loans require San Mateo Credit Union membership and credit approval. You are eligible for membership in SMCU if you live, work, worship, or study in San Mateo County. A one-time, non-refundable membership fee of $10.00 is required to join. Equal Opportunity Lender.

Home Equity Line of Credit (HELOC)

Our Home Equity Line of Credit (HELOC) is a revolving line of credit giving you the financial flexibility and convenience you need to access funds anytime, anywhere!  Purchase new kitchen appliances, consolidate your credit card debt, pay college tuition expenses, and have peace of mind knowing you are always prepared for any of your future financial needs!

  • 2.99% APR introductory rate for 12 months
  • 24/7 access to your funds with our convenience checks, telephone or online transfer to any one of your San Mateo Credit Union accounts
  • Monthly interest-only payments ($100 minimum) based on your outstanding balance during your initial 10-year “draw” period, followed by a 15-year fully-amortized “repayment” term
  • No annual fees and no early closure fees!
  • Variable interest rate tied to the Prime Index with quarterly adjustments
  • Loan amounts from $25,000 to $200,000
  • Interest is generally tax deductible, consult your tax advisor for more details

Questions?   Visit your nearest branch, call 650 363-1799 or contact us at realestate@smcu.org today!

Home Equity Loan

Utilize your home equity for a remodel or to consolidate debt or even for travel. Enjoy the stability of a fixed-rate monthly payment! 

  • Low fixed interest rate with the option to choose a 5, 10, or 15 year term
  • Fully-amortized monthly payment
  • Loan amounts from $25,000 to $150,000
  • Interest is generally tax deductible, consult your tax advisor for more details

Questions?   Visit your nearest branch, call 650 363-1799 or contact us at realestate@smcu.org today!

You’ve worked hard to build your home equity. Now is the time to take advantage of it with a second mortgage loan from San Mateo Credit Union!

Deciding between a Home Equity Line of Credit or a Home Equity Fixed Loan? View a comparison chart.

Want to find our more information? Try our handy tools and calculators.

Investment Properties

Non-Owner Occupied/Investment Property First Mortgage Loans

This loan is right for you if you are purchasing or refinancing an investment property. With our non-owner occupied loan, you may be able to lower your interest rate and monthly payment on your investment property.

Our non-owner occupied loan offers:

  • Financing on one to four unit dwellings
  • Loan amounts to $625,500
  • 30 and 15 year fixed rate loans

Rates and terms subject to change without notice. Additional conditions may apply.

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