Notice: We are currently experiencing intermittent connectivity issues.  Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
Notice: Campbell Branch is currently closed due to building maintenance. We apologize for the inconvenience and appreciate your understanding.
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Notice: Our Gilroy branch is currently experiencing intermittent connectivity issues. Thank you for your patience as we work diligently to resolve this issue.
System Maintenance: On Saturday, June 8th, we’ll be performing a scheduled maintenance starting at 9 p.m. PST and ending at 4 a.m. PST on Sunday, June 9th. During this time, Online, Mobile, and Phone Banking will not be available. Thank you for your patience as we update our systems to better serve you.
We’re experiencing technical difficulties with our phone system. We apologize for the inconvenience.
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ALERT: DON'T BE MISLED. 
County Federal will never call, email or text you to ask for information. Questions? Dial us directly at 800-282-6212 - we’re happy to help.
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All County Federal offices and branches will be closed on July 4th, in observance of Independence Day.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.

Home Loans

Limited Time Offer on Closing Costs

Your First Steps Towards Homeownership

With a County Federal Home Loan, we have various options that could help you take your first steps toward homeownership. Now through July 31, 2024 get $1,500 off closing costs(2).

Apply Now

Not yet ready to apply for a home loan? Click here and have a Mortgage Loan Officer call you to learn more about your home loan options.

Connect with a Mortgage Expert

Now is the time to make your dream house a reality.

Before you fill out that online application with one of those big online-only lenders, call us at 408-282-0742 or 1-800-282-6212. You spend a lot of time with a realtor to find a home, shouldn’t you build a similar relationship with the person who can help you to buy that home?

At County Federal, we get to know and understand your home loan needs through one-on-one conversations. No high-pressure sales pitch, no getting passed around from person to person. You get a dedicated team that will work with you every step of the way to ensure that the loan approval process is quick and easy.

Book your one-on-one appointment with our Mortgage Loan Officers today.

Book an Appointment - December 14

Don't have time to call?

We’ll call you. Take 2 minutes to tell us what you’re looking for.

Have a Mortgage Loan Officer Call Me

At County Federal, we get to know and understand your home loan needs through one-on-one conversations. No high-pressure sales pitch, no getting passed around from person to person. You get a dedicated team that will work with you every step of the way to ensure that the loan approval process is quick and easy.

smiling family in front of house

Buying A Home

Buying a home can be an exciting prospect – but there’s a lot that goes on in between attending your first open house and signing the closing paperwork. Our Mortgage Loan Officers are here to help you every step of the way.

Apply for a Mortgage
person using calculator with small house model in foreground

Refinancing Your Mortgage

Whether you are looking to lower your monthly payment, change your loan terms or take advantage of low interest rates, County Federal can help you get exactly what you want or need. Contact our Mortgage Loan Officers to get started today!

Apply for Refinance
interior of new house framing with now walls

Using Your Home's Equity

Thinking about renovating your home, paying for college tuition or planning a major family vacation? Tap into your home’s equity with a Fixed-Rate Second Mortgage or Home Equity Line of Credit and use the funds however you choose.

Apply for Home Equity LOCApply for a Fixed-Rate Home Equity Loan

Don’t have time to call? We’ll call you. Take 2 minutes to tell us what you’re looking for.

County Federal offers mortgage loans for properties located in California only. All loans subject to credit approval. Other restrictions may apply. 
County Federal does not underwrite the following types of property: • Second homes, vacation homes, or investment properties • Mobile/manufactured/modular homes • Multi-family homes (five or more units) • Co-ops • Mixed-use properties 
County Federal currently offers both fixed and adjustable rates for conventional and jumbo loans on properties including: • Single-family homes • Multi-family homes (up to four units) • Townhouses • Condominiums • Planned Unit Development (PUD)

Our home loans process is as easy as 1-2-3!

Whether you’re in the market to purchase a home or refinance an existing mortgage loan, County Federal is sure to have a program that will fit your needs. Take advantage of great low rates and a variety of home loan options that include:

Conforming, High Balance and Jumbo loans
Fixed rate mortgage options available in variety of terms
Adjustable rate mortgages

Fixed and Adjustable Rate Mortgage Loans

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 $3 million.
Check Mortgage Rates
* $800 off closing costs is available on closed loans for first lien purchase transactions of primary residences or refinance loans with an application date from 10/1/2022 - 12/31/2022 and closed by 01/31/2023. The $800 off Closing Costs will be applied, at Lender’s discretion, at the time of loan funding as a Lender Credit. Santa Clara County reserves the right to cancel or modify this offer without prior notice. Excludes refinance of existing County Federal loans. Employees, volunteers and officials not eligible.

Home Equity Loans

Home Equity Loans - Rates as of March 25, 2024
TermsRate TypeAPR
Up to 60 MonthsFixed7.310% – 11.060%
Up to 120 MonthsFixed7.665% - 11.415%
Up to 180 MonthsFixed7.975% - 11.725%

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.

Home Equity Lines of Credit - Rates as of August 14, 2023
Loan TypeRate TypeAPR
Home Equity Line of CreditVariable8.500% - 10.250%

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.

Resources

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Meet Our Mortgage Loan Officers

Our knowledgeable and friendly team will help you find your perfect home loan solution. Welcome home!

Meet Our Loan Officers
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Check Out Our Other Loan Products

Don’t waste time shopping for rates. We have you covered with some of the most competitive rates on the market.

Review Rates
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Financial Fitness Center

Check out our quick, interactive, easy to understand modules to help you on your journey toward financial wellness.

Financial Fitness Center
(2) $1,500 off closing costs is available on closed loans for first lien purchase transactions of primary residences or refinance loans with an application date from 06/01/2024 - 07/31/2024 and closed by 10/31/2024. The $1,500 off Closing Costs will be applied, at Lender’s discretion, at the time of loan funding as a Lender Credit. Santa Clara County Federal Credit Union (SCCFCU) reserves the right to cancel or modify this offer without prior notice. Excludes refinance of existing SCCFCU loans. Employees, volunteers and officials not eligible.
NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
Certified - CDFI - US Department of the Treasury
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