Get into your new home with very little out-of-pocket!1

  • Pay less up front with a low down payment on conventional home loans
  • Primary properties only, no high-cost county limits
  • Save even more with a 20% real estate agent rebate2

Let’s get started!

Home Mortgage Loans

1Portfolio Program is available to all SCE Credit Union members who apply for a mortgage, submit and close their loan application. Rate and payment example based on $791,000 loan amount, principal and interest payment of $5,463.24, 30 year Fixed Rate loan at 7.375%, 7.974% Annual Percentage Rate (APR) – 40 day rate lock, 740+ credit score, 97% loan to value, owner occupied purchase transaction, single family residence, property located in California, impound account required. Mortgage Insurance is required for a loan to value greater than 80%. Interest rate effective 9.21.23 and subject to change until rate lock. All applications subject to credit and loan approval. 2CMF Home Rewards: a) Does not include commission owed to Buyer’s agent; b) rebate is credited at closing and paid by HomeSmart Evergreen Realty. Rebate of home purchase only is 20%. HomeSmart Evergreen Realty is not affiliated with Community Mortgage Funding, LLC. Borrower must become member of SCE Credit Union to qualify. All applications are subject to credit and loan approval. SCE Credit Union NMLS #456631. Community Mortgage Funding, LLC. NMLS #266418. Loans made or arranged pursuant to Department of Financial Protection and Innovation, California Financing Law license #6039200. Nevada Exempt Company Registration #4721.