Santa Clara County Federal Credit Union Logo

Home Loans

We understand that not all member home loan needs are the same. County Federal offers versatile loans to purchase a new home, refinance your existing mortgage and to access your home’s equity. Our knowledgeable and friendly team will help you find your perfect home loan solution. Welcome home!


Mortgage team
Dedicated Mortgage Team

Our dedicated team will find the right home loan just for you

Mortgage Loan Rates

View our mortgage loan rates. We have a variety of options available.

Home Loan Calculators

Start home loan planning with our convenient calculators

Link to Seminars

Free financial seminars that provide home loan financial advice. View schedule and register now!

Financial Education
Financial Education

Financial information to make the best decisions when it come to purchasing a home. Click here for the right tools

Home Loans
Contact Us

Have questions? Contact our Lending team today! Call (408)282-0742 or email





County Federal offers an expanded variety of home loan products to offer more flexibility in order to make the purchase or refinance of your home easier than before.

Our higher loan to value products can help you purchase a home with less than the traditional 20% down payment. If you want to refinance your existing mortgage loan to take advantage of current low-interest rates, consider a higher loan to value product. A higher loan to value product can help you retain home-ownership in today’s challenging market.

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 the great low rates and the 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

Apply Now

Click Here and answer a few questions to find out which program is best for you.

One of our friendly, knowledgeable Real Estate Specialists will get right back to you. Or you can contact them directly at (408) 282-0742 or at We’ll help make the loan process easy for you.

See mortgage rate page for current rates, disclosures and payment sample. County Federal does not underwrite the following types of property: mobile homes, manufactured homes or modular homes.


It’s a great time to put the equity in your home to work for you.  Whether it’s doing an energy efficient remodel, college tuition or a major family vacation, with low rates and flexible terms, a County Federal Equity Advantage Line of Credit can help you get exactly what you need or want.

How you use the money is entirely up to you. But one thing is for sure, it’s a great time to put the equity in your home to work for you.

So go ahead – Think Big!

 Equity Advantage Offers

  • Rates as low as 3.75% APR*
  • Loan Origination fee of $750• Maximum loan to value up to 65% (LTV)
  • Easy access with free Convenience Checks and online transfers
  • Periodic rate cap of .50%
  • Maximum rate cap of 15%
  • Annual fee of $100

Apply Now

Or give one of our friendly Real Estate Specialists a call today at 408-282-0742!

Click here to view the Home Equity Early Disclosure

*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. 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 65%. 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.

There’s more money hidden in your home than you think. Not under the floor boards or under your mattress – it’s in your equity. For large, one-time expenditures such as a kitchen remodel or new pool a low-rate home equity loan may be your answer. 

A Home Equity Loan is a fixed-rate loan that is secured by your home and let’s you to use a portion of your equity with a single payout. It’s a great option for homeowners who have equity established in their home. 

Apply Now  

Or to learn more about our fixed rates and flexible terms, contact a knowledgeable Real Estate Specialist at (408)282-0742. They can help you determine how much you can borrow and what your monthly repayment schedule will be.



If you are using a screen reader or other auxiliary aid and having problems using this website, please call 1-800-282-6212 for assistance.