Home Loans for Your Budget and Lifestyle Goals
Turn to The Police Credit Union for home loan options that fit your unique needs.
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
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*Out-of-state loans include all states with the exception of AL, AZ, HI, MA, NY, RI, VA, VT, DC. We partner with Servion, Inc. NMLS #409710