Home Loans for Law Enforcement, Families and Supporters
Law enforcement professionals turn to The Police Credit Union for home loan options that fit their budgets 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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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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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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Home Equity Line of Credit
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
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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HomeAdvantage
Whether you're buying or selling, get help, save money, and connect with top agents through this exclusive, no-cost service for members.
- Earn Cash Rewards** when you close
- Save your property searches and get email alerts
- Search our network of top, local real estate professionals
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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