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.
Don't have time to call?
We’ll call you. Take 2 minutes to tell us what you’re looking for.
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.
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
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
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 LoanDon’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)
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.
Home Equity Loans
| Product | APR as low as (1) | Application Fee | Annual Fee | |
|---|---|---|---|---|
| Variable | 8.750% | $0 | $100 | Home Equity Line of Credit Terms |
| Fixed | 8.375% | $0 | — | — |
(1) APR= Annual Percentage Rate. APRs quoted are our best rates and are accurate as of 05/04/2023, subject to change without notice. 8.750% APR up to 50% LTV. 9.000% up to 65% LTV and 9.250% 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
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
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.
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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
