Home Loans for Your Budget and Lifestyle Goals

First Mortgage Loans

Our fixed-rate and adjustable-rate first mortgages feature a variety of terms with no hidden fees and no pre-payment penalties.

• Highly competitive rates
• Wide variety of terms, including fixed, adjustable, and low down payment options
• Non-commissioned loan officers provide objective guidance

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Home Equity Line of Credit (HELOC)

Tap into your home equity with a line of credit that you can use as you need it to pay for more renovations or lifestyle purchases.

• Credit limits from $20,000.00 to $500,000.00
• Borrow funds as needed, up to your credit limit
• Enhanced approval process to get you access to your HELOC faster

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Home Equity Loan (Fixed Rate Equity Loan)

Borrow a specific amount of money against the value of your home with a home equity loan featuring a low, fixed rate.

• Low, fixed home equity loan rates
• Interest paid on the loan might be tax-deductible (please consult your tax advisor)
• Fixed monthly loan payments

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H.E.R.O. Loan

Our H.E.R.O. (Helping Enable Residential Ownership) loan is exclusively for active Law Enforcement buying their first homes in California.

• 100% financing of the purchase price or appraised value, whichever is less
• No PMI (Private Mortgage Insurance) requirements

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FHA/VA or Out-of-State* Loans

FHA and VA Loans can be good options for first time homebuyers or U.S. military members and their families.

• Lower down payment requirements than conventional loans — buy a home with as little as $0 down
• Easier credit and income qualifications

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Reverse Mortgages

This mortgage for homeowners age 62 and beyond allows you to spend home equity you’ve built up without selling your home.

• Produces tax-free income***
• You continue to own your home
• No monthly payments
• No application fees
• No effect on Social Security or Medicare benefits