Home Mortgage Loans
YOUR HOME. WHERE YOUR HEART IS.
Becoming a homeowner is a huge milestone... and it's likely the single-largest investment you'll ever make. That's why finding the perfect home – and working with the right lender – is so important.
Buy or refi... either way, our Home Loan products are designed to help get you moving – and we are able to offer loans in AZ, CA, CO, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX and WA.
Loan options
| Conventional Loans |
Low down payment for first-time homebuyers and for those who aren't. Mortgage insurance can be added to your monthly payment. 3% down payment – Our 97% Conventional Loan is a great option for a lower down payment. Combo loan (80/10/10) – Make a small down payment without mortgage insurance being added to your monthly payments. |
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| FHA Loans |
Offers a low down payment and lower rates compared to other products. Mortgage insurance can be added to your monthly payment. |
| Adjustable-Rate Mortgage (ARM) |
Benefit from lower initial rates with our ATM products. An ARM is an interest rate that adjusts with the current market index, instead of fixed rates that remain the same. |
| VA Loans |
Zero down payment for veterans who have a Certificate of Eligibility. Doesn't require mortgage insurance. |
| Balloon Mortgage (30 due in 15) | For investment properties. Benefit from lower 30-year fixed loan rates, paid over a 15-year term with a balloon payment due at the end. May be ideal if you plan to sell before the balloon payment is due. |
Down Payment & Closing Cost Assistance
Down payment and closing cost assistance for homebuyers through several programs to help you get into a home with little or no money down.
Homeowners Insurance
We're your one-stop-shop for all your insurance needs, through our Credit Union owned insurance agency.1
Member Advantage Insurance Services
Search, Buy, Sell & Save… with SCE FCU
We’ve partnered with CMF HomeRewards to deliver exclusive home selling and buying benefits:
- Sell your home for a flat 1.5% listing fee1
- Buy a home and earn a 20% commission rebate2
- Receive outstanding service from a trusted, local HomeSmart Evergreen real estate agent
- Safely sell and/or buy with enhanced COVID-19 safety protocols
Want to buy now or simply want to see what's out there? Register today without obligation.
Together...
Together, we can make
your financial goals a reality.
Basic Elements - Legal Text
1Insurance Services offered through Member Advantage Insurance Services, a Credit Union owned company. Equal Housing Lender. 2Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent. 3Buy a home and receive a 20% rebate on your agent's commission. Rebate payment is made by HomeSmart Evergreen Realty and is credited at closing. HomeSmart Evergreen Realty is not affiliated with Community Mortgage Funding, LLC. SCE FCU NMLS# 456631, CMF NMLS# 266418. Community Mortgage Funding (CMF) is our Credit Union owned mortgage company, licensed by the following: Department of Business Oversight, California Finance License #6039200; Nevada Exempt Company Registration #4721.