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Home Equity Loans & Lines of Credit

There’s no place like home.  We’re able to offer loans in California and Nevada.

Interest-Only HELOC
Interest-Only HELOC
Perfect for those who want more time to repay

$25k to $250k limits1
Variable loan
Owner Occupied LTV up to 80%
10 year draw period
20 year repayment period
No prepayment penalty

Loan Rates

Traditional HELOC
Traditional HELOC
Perfect for those who want funds as needed

$25k to 250k limits2
Variable loan
Owner occupied LTV up to 80%
Non-owner occupied LTV up to 70%
10 year draw period
10 year repayment period
No prepayment penalty

Loan Rates

Home Equity Loan
Home Equity Loan
Perfect for those who want funds up front

$25k to 250k limits3
Fixed loan
Owner occupied LTV up to 80%
Non-owner occupied LTV up to 70%
20 year repayment period
No prepayment penalty

Loan Rates

Other Home Loans

1Rates range from 8.75% to 11.00% APR based on Prime Rate and creditworthiness. Prime Rate as of 7.26.23 is 8.50% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

2Rates range from 8.50% to 13.50% APR for owner occupied and 9.50% to 11.50% APR for non-owner occupied; based on Prime and creditworthiness. Prime Rate as of 7.26.23 is 8.50% APR. APR = Annual Percentage Rate. Annual rate cap is 2.00%; lifetime rate cap is 6.00% above the initial rate at the time of funding. Processing fees can rage from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

3Estimated monthly payment based on a $25,000 loan for 10 years at 9.25% APR is $320.18 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

First Mortgage Home Loans

Whether you want to buy or refi, our Home Mortgage Loan products are designed to help get you moving. Through our credit union owned mortgage company, Community Mortgage Funding (CMF)1, we’re able to offer loans in many states.2 Be sure to ask us about closing cost and down payment assistance programs.

Working together, we can make your home loan needs a reality.

Let’s get started!

Prefer to connect by phone? Call CMF directly at 877.915.3030.

Do you need a real estate agent? Let our CMF Home Rewards Program pair you with a trusted, local real estate agent, while saving money on buying and/or selling your home!

Members with current loans, click here to make a payment.

1Community Mortgage Funding (CMF) is our credit union owned mortgage company. 2AZ, CA, CO, FL, ID, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX and WA. CMF state licensing.

Energy Loans

Perfect for those creating a sustainable home.

Loan secured by a UCC filing.