Friday, July 29, 2022 - The Gilroy Branch will be closing early today at 2:30 PM. We appreciate your understanding.
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Phone Banking System Maintenance: On Tuesday, May 31st, we’ll be performing scheduled maintenance for approximately 30 minutes, starting at 10:00 p.m. PDT and ending at 10:30 p.m. PDT. During this time, you won’t be able to access your account information over the phone. Online Banking Services will still be available. Thank you for your patience as we update our systems to better serve you.
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Notice: Online Banking and Mobile Banking are currently unavailable. We are working diligently to resolve this issue. Thank you for your patience.
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All County Federal offices and branches will be closed on October 10th, in observance of Indigenous Peoples' Day.
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Alert: Text scams are on the rise. Unsure about a message you received? Call us immediately at 800-282-6212 or visit your local branch - we’re here to help.
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Home Loans

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. 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 - October 19Book an Appointment - November 16Book 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
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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
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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)

Mortgage Lending Team - Call us to get started today 408-282-0742
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 $2 million.
Check Mortgage Rates

Home Equity Loans

Home Equity Loans
ProductAPR as low as (1)Application Fee Annual Fee 
Variable6.750%$0$100Home Equity Line of Credit Terms
Fixed7.125%$0

(1) APR= Annual Percentage Rate. APRs quoted are our best rates and are accurate as of 09/26/2022, subject to change without notice. 6.750% APR up to 50% LTV. 7.000% up to 65% LTV and 7.250% 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 0.500 percentage points at each adjustment. Maximum cap of 15.000% 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.

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
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
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