Find Your Loan
Need help? We’ll create a personalized Total Cost Analysis just for you.
Home Loans
Home Loans with Low Rates and Exceptional Service
Call Us: (800) 506-5070
Mon - Fri: 8:00 am - 5:00 pm
Sat: 9:00 am - 2:00 pm
Home Loans
Home Loans with Low Rates and Exceptional Service
Today’s Mortgage Rates
| 30-Yr Fixed | 15-Yr Fixed | 10/1 Adj | 7/1 Adj | 5/1 Adj | |
|---|---|---|---|---|---|
| Rate | 6.625% | 6.000% | 6.750% | 6.625% | 6.250% |
| APR | 6.774% | 6.236% | 7.474% | 7.615% | 7.584% |
| Points | 1.000 | 1.000 | 0.625 | 1.000 | 0.750 |
| Payment | $3,201.55 | $4,219.28 | $3,242.99 | $3,201.55 | $3,078.59 |
| Rate | APR | Points | Payment | |
|---|---|---|---|---|
| 30-Yr Fixed | 6.625% | 6.774% | 1.000 | $3,201.55 |
| 15-Yr Fixed | 6.000% | 6.236% | 1.000 | $4,219.28 |
| 10/1 Adj | 6.750% | 7.474% | 0.625 | $3,242.99 |
| 7/1 Adj | 6.625% | 7.615% | 1.000 | $3,201.55 |
| 5/1 Adj | 6.250% | 7.584% | 0.750 | $3,078.59 |
Effective January 27, 2025 09:45 AM Pacific Time (PT)
Do More While Saving More*
Lower rates. Superior service.
Don’t settle for average when it comes to your home loan. See how other lenders’ rates stack up to ours that are lower than market average.
How It Works
10
2
Get A Fast Track Decision - Get A Fast Track Decision
- Apply online and get an instant decision, or apply over the phone.
- Apply online and get an instant decision, or apply over the phone.
3
Check Your Status
- Check on your loan and securely esign and receive documents online.
- Check on your loan and securely esign and receive documents online.
- Check on your loan and securely esign and receive documents online.
TEST
We work hard to close our loans faster than the national average.
- We work hard to close our loans faster than the national average.
- We work hard to close our loans faster than the national average.
- We work hard to close our loans faster than the national average.
- We work hard to close our loans faster than the national average.
Discover Your Options with a Total Cost Analysis
Gain clarity on all of your loan options with a complimentary Total Cost Analysis. It’s personalized to your unique situation, and offers a side-by-side comparison of your costs, savings, and options.Gain clarity on all of your loan options with a complimentary Total Cost Analysis. It’s personalized to your unique situation, and offers a side-by-side comparison of your costs, savings, and options.
Save with Our Home Connections Rebate Program
Get a commission rebate through our exclusive Home Connections program. We’ll introduce you to a local participating real estate agent who can help you buy or sell your home, while we help you with the financing. You’ll get the expertise you need, and save thousands of dollars on fees.
20% commission rebate from participating real estate agents2
Discounts on escrow services and home warranty3
Search every MLS listing in Southern California to find your home and save your favorite
Free escrow signing services at your home or office
Simplifying the Home Buying Experience
We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why having a trusted partner who is local, experienced, and accessible will provide the guidance and peace of mind you need to obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, from start to finish. That's our promise.
Call Us at: (800) 506-5070
Our Team buttonView registered Mortgage Loan Originators
This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. Membership in Orange County’s Credit Union is a condition of loan approval. Membership is open to everyone living or working in Orange, Los Angeles, Riverside, and San Bernardino counties. Membership fee is $5.00. Limited to funding California properties only.
1In providing the days-to-close comparison, Orange County’s Credit Union is using information provided by an independent third-party source and is not responsible for the accuracy of the information. The Ellie Mae® Origination Insight Report provides monthly data and insights for a robust sampling of closed loan applications that flow through Ellie Mae’s Encompass® mortgage management software and the Ellie Mae Network.
2Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of the transaction. Purchase price must be greater than $200,000. Members receive a 25% rebate if they sell AND purchase with an assigned First Team Real Estate agent. In order to receive the 25% rebate, the home sale and purchase transactions must take place within six months of each other. Alternatively, Members receive a 20% rebate if they sell OR purchase a home with an assigned First Team Real Estate agent. First Team Real Estate is not affiliated with Orange County’s Credit Union. Ask for details.
3Escrow services discount and free signing services available only on an escrow serviced by Hallmark Escrow/Coast Cities Escrow. Warranty discount available only on a warranty serviced by Home Warranty of America. Hallmark Escrow/Coast Cities Escrow and Home Warranty of America are not affiliated with Orange County’s Credit Union. Check with the seller of the property regarding selection of the escrow company.