Build a better life with CU SoCal Home Loans
Buying a home is likely the biggest financial transaction of your life. CU SoCal is on your side with competitive rates, dynamic loan options, experienced Mortgage Loan Originators, frequent communication, a free online home shopping platform, and most importantly, a caring mindset that focuses on your best interests.
Rates
View All RatesThe payment amount displayed by this calculator is an estimate only and not an actual loan payment.
Key advantages
Qualify for Rewards+
Having a mortgage brings you one step closer to qualifying for Rewards+, our Member loyalty program. Receive up to $200 worth of financial benefits a year, including fee waivers, an auto loan discount, and reward points bonus!
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Adjustable-rate mortgages
Our Adjustable-rate mortgage (ARM) offers flexible terms, competitive rates, interest only options, and lower payments locked in for a set time period. In a tough market, an ARM can make the difference between getting a home and sitting on the sidelines.
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Assistance for first time buyers
We strive to make your first homebuying experience as easy as can be, with competitive rates, low down payments, and flexible terms to suit the specific needs of first-time homebuyers.
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Find your home online
Home Rewards is our free online home shopping platform that provides access to MLS listings and home valuations in just a few clicks. You’ll also get a commission rebate when you find your home using a Home Rewards realtor!2
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Reverse mortgages
A Reverse Mortgage converts a portion of your home’s equity into tax free funds. Learn more about how a reverse mortgage can give you financial flexibility and the power to live better.
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Low lender fees
Saving you as much as $400 over other lenders, our low, flat origination fee is another example of how CU SoCal brings affordability to the mortgage process. As a not-for-profit credit union, we are committed to saving you money during your homebuying journey.
Get started on your mortgage journey today
CU SoCal provides an abundance of free educational resources for homebuyers. From seminars to more than 20 blog articles that focus on loan types, down payments, and pre-approvals, to how to save for a home, we have you covered. To learn about free home buying seminars in your community, please call CU SoCal Home Loans at 800.698.7196.
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- The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. Estimated payment is $4.21 per $1,000 borrowed for 60 months for a 30-year term. Payment example does not include cost of property taxes or insurance, so the actual payment obligation may be greater. Rates and programs are subject to change without notice. Rate is subject to increase. Existing CU SoCal mortgage loans are ineligible for 2.990% rate. Member must credit qualify.
- Rebate is awarded by Home Rewards Group, Inc. to buyers and sellers who select and use a real estate agent in the Home Rewards network. Rebate is 20% for purchase only of a residential property. Payment is credited to your benefit at the close of transaction. Using CU SoCal for a mortgage loan is not a requirement to earn the rebate. Purchase price must be greater than $150,000. All rebates are subject to limitations, lender guidelines, state laws and other requirements. Certain properties may not be eligible for rebates. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. Home Rewards Group, Inc. is not affiliated with CU SoCal. Excludes commission owed to buyer’s agent.
Credit Union of Southern California NMLS #454788
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Website.
rates
| Product | Rate | Margin | Points | Caps | APR* | Est. payment per $1,000 |
|---|---|---|---|---|---|---|
|
Product:
5/1 ARM |
Rate:
6.000% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
6.049% |
Est. payment per $1,000:
$6.00 |
|
Product:
7/1 ARM |
Rate:
6.375% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
6.425% |
Est. payment per $1,000:
$6.24 |
|
Product:
5/5 ARM |
Rate:
6.125% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR* :
6.174% |
Est. payment per $1,000:
$6.08 |
Rates Effective as of: January 22, 2025
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT. The rates and terms below are effective as of 1/8/2025-1/15/2025.
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