Rates as low as
3.625% APR*
on a 30-Year Fixed! Ask us for details.

Home Loans

A wide selection of fixed- and adjustable-rate home mortgage loan options


Buying a home and finding the right loan can be daunting, even if you've done it before. That's why we're here to help. Whether you're ready to apply or just getting started, our Mortgage Loan Consultants will guide you through the process. And, they'll keep you informed every step of the way. Plus, our pre-approval process is free, fast, and easy!

Plus, we can even close on your home in just 15 days — guaranteed!*

Check out the loan options below:

ADJUSTABLE RATE HOME LOANS

  • A lower initial rate with the potential for future adjustments
  • As low as 3.000% rate/3.905% APR
  • 5/1, 7/1, 10/1, and 5/5 options available, up to $4 million
  • As little as 3% down

FIXED RATE HOME LOANS

  • A fixed payment for the life of the loan
  • As low as 3.750% rate/3.918% APR
  • Loans up to $4 million
  • Terms from 10 to 30 years

VA HOME LOANS

  • Loans for active-duty military and veterans
  • Fewer credit restrictions
  • No mortgage insurance requirement
  • No down payment required

FHA HOME LOANS

  • Government-backed loans with easier qualification
  • Ideal for first-time homebuyers
  • Lower down payments for qualified buyers
  • Fixed or adjustable rate

HOMEREADY™ LOANS

  • Loans designed for low to moderate incomes
  • As little as 3% down
  • More flexible credit guidelines
  • Lower monthly mortgage insurance premium


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Home Loans

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Home Loans
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Get started with a home loan...call a Mortgage Loan Consultant today at 877.404.3728    Contact Us

*15-Day Ready to Close: “Ready to close” is defined as ready to send final loan documents to your settlement agent for signing by you. Offer and terms: If FPCU is not ready to provide final loan documents for signing within 15 business days of receiving an executed sales contract, all loan documentation as required, acknowledgement to proceed and upfront appraisal fee, FPCU will credit up to $850 towards our processing fee if the loan is funded with FPCU. Member must specifically request the program “Ready to Close” for a maximum 45 day escrow. Members must be pre-approved by FPCU prior to and within 90 days of the executed purchase contract with no material financial changes. Members must provide a final purchase contract, executed by both parties and all supporting loan documentation as required within two days of the date of the contract (contact your Mortgage Loan Consultant at 877-404-7328 for required documents). In addition, acknowledgement of intent to proceed by the member and the upfront fee must be received within the 2 days to start the clock. Loan rate, amount and terms must be locked and not changed at least 10 business days prior to the “Ready to Close” signing date. Offer is good for purchase loan applications received with an executed purchase contract. Offer available only for conforming, high balance conforming and jumbo 1st mortgage purchase loans for a single family residence, PUD or condo in California. Not available for refinance loans, FHA/VA programs, HELOCs, 2nd mortgages, 2-4 units or purchase loans outside of California. The guarantee does not apply if events occur beyond the control of Financial Partners Credit Union, including but not limited to: Appraised value; borrower, seller, escrow, title or other 3rd party delays; 2nd lien holder approval; short sale approval; lender conditions that cannot be met by any party; or acts of God (inclement weather, disaster, etc.). Purchase guarantee is not transferable to another borrower or another property. Program and/or terms subject to change without notice. All loans are subject to credit approval.