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Home Loans

Home Loans

Your home is your most important, and usually largest, asset. So, of course, at CSFECU, we want to help you make the most of it.

There are so many places to get a mortgage loan these days but at CSFECU, we provide your best solution. And unlike many lenders, we make loan decisions right here in our office, rather than in a corporate headquarters somewhere. Now, that’s very personal!

 First Mortgage

  • Quick, local in-house decision making
  • Terms from 10 to 30 years
  • Up to 80% Loan to Value
  • Competitive rates

View Rates

We have a Home Loan Toolkit from the Consumer Financial Protection  Bureau. Click button below to view it.

Download Home Loan Toolkit

Non-Owner Occupied First Mortgage

Other lenders are charging higher mortgage rates & fees.  We’re NOT!

  • Quick, local in-house decision making
  • Terms from 15, 20 or 30 years
  • Up to 80% Loan to Value
  • Only a $750 origination fee plus all third party costs associated with this loan
  • Competitive rates

View Rates

Home Equity Loans

Home equity loans and lines of credit are incredibly versatile, and come with many advantages. Right brain loves the convenience, flexibility and imagining what to do with the money, while your left brain loves the low rates and potential tax savings.* As long as your home is worth more than the principal on your loan, you may be able to borrow against most of the difference. Borrow for what? Almost anything!

Even though your equity loan or line of credit is secured by your home, that doesn’t mean you can only use it on your home. Since your home equity loan offers such a great rate, there are lots of other things you can use it for:

  • Home repairs or improvements
  • Debt consolidation
  • Big wedding
  • Once-in-a-lifetime vacation
  • Any big purchase where you might need a great rate and possible tax deductible*

Closing costs? Zero. Uses? Unlimited. For a limited time, we are covering the appraisal fee and closing costs when you open a Home Equity Loan with us.**

**Appraisal fee and closing costs are waived with a minimum draw amount of $20,000. Loan or credit line must be open for a minimum of 3 years. Loan or credit line closed prior to 3 years of the open date is subject to reimbursement of all original waived fees and will be added to the payoff balance.

Home Equity Loan

Fixed term home equity loans from 5 to 15 years, and loan-to-value ratios of up to 80%. Perfect when you know how much you need to borrow, say for a home remodel or a similar large-ticket item.

View Rates

Home Equity Line of Credit

A home equity line of credit is exceptionally versatile, giving you the security of knowing how much you can borrow, but since you only pay interest on the amount that’s actually used, you can save on interest.

View Rates

So, visit our branch or call us at 707-443-8662 for more information or to apply.

View Loan Calculators

 

 

*Check with your tax professional.

Home Loans

Your home is your most important, and usually largest, asset. So, of course, at CSFECU, we want to help you make the most of it.

There are so many places to get a mortgage loan these days but at CSFECU, we provide your best solution. And unlike many lenders, we make loan decisions right here in our office, rather than in a corporate headquarters somewhere. Now, that’s very personal!

 First Mortgage

  • Quick, local in-house decision making
  • Terms from 10 to 30 years
  • Up to 80% Loan to Value
  • Competitive rates

View Rates

We have a Home Loan Toolkit from the Consumer Financial Protection  Bureau. Click button below to view it.

Download Home Loan Toolkit

Non-Owner Occupied First Mortgage

Other lenders are charging higher mortgage rates & fees.  We’re NOT!

  • Quick, local in-house decision making
  • Terms from 15, 20 or 30 years
  • Up to 80% Loan to Value
  • Only a $750 origination fee plus all third party costs associated with this loan
  • Competitive rates

View Rates

Home Equity Loans

Home equity loans and lines of credit are incredibly versatile, and come with many advantages. Right brain loves the convenience, flexibility and imagining what to do with the money, while your left brain loves the low rates and potential tax savings.* As long as your home is worth more than the principal on your loan, you may be able to borrow against most of the difference. Borrow for what? Almost anything!

Even though your equity loan or line of credit is secured by your home, that doesn’t mean you can only use it on your home. Since your home equity loan offers such a great rate, there are lots of other things you can use it for:

  • Home repairs or improvements
  • Debt consolidation
  • Big wedding
  • Once-in-a-lifetime vacation
  • Any big purchase where you might need a great rate and possible tax deductible*

Closing costs? Zero. Uses? Unlimited. For a limited time, we are covering the appraisal fee and closing costs when you open a Home Equity Loan with us.**

**Appraisal fee and closing costs are waived with a minimum draw amount of $20,000. Loan or credit line must be open for a minimum of 3 years. Loan or credit line closed prior to 3 years of the open date is subject to reimbursement of all original waived fees and will be added to the payoff balance.

Home Equity Loan

Fixed term home equity loans from 5 to 15 years, and loan-to-value ratios of up to 80%. Perfect when you know how much you need to borrow, say for a home remodel or a similar large-ticket item.

View Rates

Home Equity Line of Credit

A home equity line of credit is exceptionally versatile, giving you the security of knowing how much you can borrow, but since you only pay interest on the amount that’s actually used, you can save on interest.

View Rates

So, visit our branch or call us at 707-443-8662 for more information or to apply.

View Loan Calculators

 

 

*Check with your tax professional.

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.