Home Loans for Your Budget and Lifestyle Goals
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
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
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
H.E.R.O. Loan
Our H.E.R.O. (Helping Enable Residential Ownership) loan is exclusively fo 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
Access ADU HELOC
Build your ADU with confidence. Our Access ADU HELOC is designed exclusively for California homeowners, providing flexible financing to help you fund every stage of your Accessory Dwelling Unit (ADU) project.
- Loan amounts up to $300,000
- Interest only payments during the first 10 years
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
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