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Home Loans

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We Do Things Differently

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. 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.

Meet our Mortgage Loan Officers

Ready to buy a home, but have a few questions? Meet with our Mortgage Loan Officers Steve and Monique by phone to discuss:

  • which home loan options work best for you
  • getting pre-approved
  • refinancing a loan from another lender

Call us at (408) 282-0742.

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

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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.

person with calculator and house

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!

house foundation

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.

Don’t have time to call?  We’ll call you. Click here and 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)

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 Rate Loans

Product Rates1 APR1 Points Payment per $1,000 Borrowed2 Calculate Payment
 Conforming Fixed Rate Loan Products (Loan Amounts up to $822,375) *1
30 Year Fixed 2.875% 2.885%  0  $4.15
20 Year Fixed 2.750% 2.765%  0  $5.42
15 Year Fixed 2.625% 2.644%  0  $6.73
10 Year Fixed 2.500% 2.527%  0  $9.43
 Jumbo Fixed Loan Products (Loan Amounts greater than $822,375 up to $2,000,000) *2
30 Year Fixed 3.125% 3.130%  0  $4.28
15 Year Fixed 2.875% 2.884%  0  $6.85

Adjustable Rate Loans

Product Rates1 APR1 Points Payment per $1,000 Borrowed2
 Conforming Adjustable Rate Loan Products (Loan Amounts up to $822,375) *1
3/1 ARM 2.750% 2.760%  0  $4.08
7/1 ARM 2.625% 2.635%  0  $4.02
5/5 ARM 2.625% 2.635%  0  $4.02
10/10 ARM 2.750% 2.760%  0  $4.08
 Jumbo Adjustable Rate Loan Products (Loan Amounts greater than $822,375 up to $2,000,000) *2
3/1 ARM 3.000% 2.880% 0  $4.15
7/1 ARM 2.875% 2.880% 0  $4.15
5/5 ARM 2.875% 2.880% 0  $4.15
10/10 ARM 3.000% 3.005% 0  $4.22

Home Equity Loans

Product APR as low as *3 Application Fee  Annual Fee
Variable 3.750% $0 $100 Home Equity Line of Credit Terms
Fixed 5.250% $0

*1 Loan amount not to exceed FNMA county loan limit

*2 Loan amount greater than FNMA county loan limit

*3 APR= Annual Percentage Rate. APRs quoted are our best rates and are accurate as of 04/21/2020, subject to change without notice. 3.750% APR up to 50% LTV. 4.00% up to 65% LTV and 4.25% up to 80% LTV. Rate based on the Prime Rate (published in the Wall Street Journal) plus a margin as outlined in the Home Equity disclosure, with a floor as low as 3.5%. The minimum floor rate you receive will be based on the loan-to-value (LTV) ratio. Maximum LTV up to 80%. The annual percentage rate can change quarterly on the first day of January, April, July and October. We will use the most recent index value available to us as of 15 days before the date of any annual percentage rate adjustment. The rate cannot increase or decrease more than 0.5 percentage points at each adjustment. Maximum cap of 15.0% APR. Minimum draw of $300. Annual fee of $100 is applied on the anniversary date of the loan. Home must be 1 to 4 units, owner occupied or second home, California properties only. This offer may not be available with balloon or negative amortization first mortgage or third liens. All loans subject to credit approval and our Credit Union lending policies. See disclosure for important terms of our Equity Advantage program.

1. APR=Annual Percentage Rate. The APR is not your interest rate. Your APR will vary based on the rate you qualify for, your final loan amount and finance charges.

2. Payment per $1,000 balance is based on the interest rate listed for the amortization term listed and is rounded to the nearest cent. Example: for a 30-year, $548,250 conforming mortgage with zero-points and a fixed rate of 3.500%, multiply 548,250 x $4.49 for an approximate payment amount of $2,461.89 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Maximum loan amounts vary by locale depending on typical home prices. High Balance loans are available only in federally designated metropolitan areas.

County Federal offers mortgage loans for properties located in California only. Flood insurance may be required. Adequate property insurance must be maintained for the life of the loan. All loans subject to credit approval. Other restrictions may apply.

Rates valid as of today are subject to change without notice.


Couple Signing Mortgage

Meet Our Mortgage Loan Officers

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

Loan Options

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.

Financial Education Opportunities

Financial Fitness Center

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

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