Whether you’re buying your first home, moving across town, or looking for a larger place for your family, County Federal offers a variety of mortgage options with competitive rates.

• Fixed-rate loans: Offers long-term financial stability, as your interest rate and monthly payment will stay the same over the term of your loan.
• Adjustable-rate mortgage: Lower initial rates help maximize buying power and reduce monthly payments. Adjustable-rate mortgages come with fixed rates for the first 3, 5, 7 or 10 years - depending on the loan - and rates are then adjusted periodically thereafter.
• Conforming loan products: Fixed and adjustable loans up to the FNMA conforming county loan limit.
• Jumbo loan products: Buyers looking for larger homes or moving to more expensive neighborhoods can borrow up to $2 million.

Home equity loans have fixed interest rates and payments throughout the term. Rates assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. Monthly payment per $1,000 borrowed (excludes property taxes and insurance) example:  Pay $19.95 per month per $1,000 borrowed at 7.310% APR for 60 months. For more payment samples, use our payment calculator.

1) APR= Annual Percentage Rate. A Home equity lines of credit (HELOCs) have variable interest rates. The interest rate and payment can change throughout the term. To determine the variable rate, we add an external index (the Wall Street Journal Prime Rate) to the margin assigned to the line. Variable rate formulas assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. The lifetime maximum variable APR is 17.99%. $100 annual fee. You can take advances during the 10-year draw period. During the draw period, payments are interest-only. A 15-year repayment period will follow the draw period. Repayment period payments are fully amortized and include principal and interest.

All Equity Loans and Credit Lines County Federal absorbs all third-party origination costs such as property valuation, title insurance, flood hazard review, and document recording. If a loan or line is paid off within 24 months of opening, borrower will reimburse actual costs absorbed by County Federal, estimated from $818.00 to $1,904.00. Available on California owner-occupied 1–4-unit residential properties only. All loans are subject to credit approval. No early payment penalties.