Fixed-rate Mortgage

No increases, no surprises, no worries!

Our competitive, fixed-rate mortgage is all about peace of mind and long-term stability — the rate you pay today is the rate you pay tomorrow. And it couldn’t be easier to apply. Our online application takes just minutes.

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Fixed-rate Mortgage

Long-term Fixed Mortgage
Short-term Fixed Mortgage
Freedom Home Loan

Long-term Fixed Mortgage

From year 1 to 30 with no rate increase.
30-year Fixed-rate Mortgage

Looking for a modest home or something a bit grander? It’s home sweeter home with a rate that stays the same for 30 years. We offer low jumbo loan rates, so they're easy on your budget. Who wouldn’t be happy with that?

Budget-friendly.
  • Flexible terms of up to 30 years*
  • Competitive interest rates
  • As little as 5% down on purchases**
  • No closing cost options available
  • Interest may be tax deductible  (consult your tax advisor)
Even more to bring a smile to your face.
  • No points options
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty

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APR=Annual Percentage Rate.

*A $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 30 year term and a rate of 3.750% has an APR of 3.787% and a monthly payment of $1,157.79. **Loans over 80% LTV require mortgage insurance. A $250,000 loan on a single-family owner-occupied home up to 95% LTV with a 30 year term and a rate of 3.875% has an APR of 4.194% and a monthly payment of $1,271.42 inclusive of mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 03/26/2015 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

 

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Short-term Fixed Mortgage

Own your home faster, and save more in the process!

Pay off your mortgage in 5, 7 or 10 years* without paying an arm and a leg. Our TermBuster loans feature lower fixed rates than other traditional fixed-rate mortgages. And, the interest may be tax deductible (consult your tax advisor). 

We give — and keep giving.

You can borrow anywhere from $25,000 to $417,000 at competitive interest rates. We’ll even waive the closing costs** if the loan remains open for 36 months.

Say “No” to hassles.
  • No points, no balloon payment, no negative amortization
  • In-home appraisal not required for loans up to $250,000
  • Easy, online processing

Apply Now View  Home Loan Rates

APR=Annual Percentage Rate.  

*Payment example: A $100,000 loan on a single-family, owner-occupied loan up to 70% LTV with a 5 year term at 2.875% APR has a monthly payment of $1,791.32, a 7 year term at 2.990% APR has a monthly payment of $1,320.88 and a 10 year term at 3.375% APR has a monthly payment of $983.01. Loans over 80% LTV require mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 03/26/2013 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. **Closing costs up to $2,500 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include title search, escrow, credit report, tax service and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner's title policy.

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Freedom Home Loan

Say goodbye to points, fees and closing costs!

Who doesn’t want a more affordable mortgage? Refinance with our Freedom Loan and save thousands with no points, no fees and no closing costs!* The interest may even be tax deductible (consult your tax advisor).

Easygoing from the start.
  • 15- or 30-year* fixed-rate terms
  • Competitive interest rates with no points and no closing costs**
  • As little as 5% down on purchases†
No surprises along the way.
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty

Apply Now View Home Loan Rates

APR=Annual Percentage Rate.

*Payment example: a $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 15 year term and a rate of 3.250%has an APR of 3.250% and a monthly payment of $1,756.67. A $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 30 year term and a rate of 4.000% has an APR of 4.000% and a monthly payment of $1,193.54. A $250,000 loan on a single-family owner-occupied home up to 95% LTV with a 30 year term and a rate of 4.125% has an APR of 4.412% and a monthly payment of $1,307.45 inclusive of mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 03/26/2015 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. **Closing costs paid by the lender include title search, escrow, credit report, tax service and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner's title policy. †Loans over 80% LTV require mortgage insurance.

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Useful Tools & Services

We care about making your home buying process easier.

Calculators

Real Estate How To   

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Here’s even more info to help you with the home buying process.

Adjustable Rate Mortgages

Freedom Home Loan

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Simply the Best

A great place to do business with and everyone smiles when you walk in. Great rates on term buster loans. Check them out and you'll find out what great service is all about.

2014

David P

valued member

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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