Home Loans

Find The Right Home Loan

Whether you’re purchasing a home, refinancing your mortgage, or renovating, we will help you understand the best mortgage options for your home.

myPSFCU Home Loan

myPSFCU’s home loan options are designed to keep your financial needs in mind. Our licensed loan officers have the commitment and experience to help you determine the exact loan products that work for you.

  • Jumbo fixed-rate mortgage
  • Conventional mortgage
  • No Fee Home Equity Line of Credit Loans (HELOC)
  • Refinancing options to pull cash out of your home
  • First Trust Deed Loans and No-Fee Second trust Deed Loans
  • 1st Mortgage for First time Home Buyers

Our trusted partner, Right Choice Mortgage

We understand the competitive housing market and the best course of action for getting you into your perfect home. With California’s rising home prices, every dollar saved on financing can have a lasting impact on your financial future. That’s why members come to myPSFCU first for their home loans when purchasing and refinancing. 

Whether you’re a first-time buyer or current homeowner looking to bring down your mortgage rate by refinancing, myPSFCU has a full suite of mortgage products and services that fit your needs. We have partnered with Right Choice Mortgage to help expand our menu of mortgages for our members. There are many mortgages to choose from, just give us a call or fill out our easy Quick App and we will call you at your preferred time.

Here are some of the products and services we offer: 

  • 10, 15, 20, and 30 years fixed-rate mortgages
  • 5, 7, and 10 -year adjustable-rate mortgages as an option for shorter terms with a lower rate
  • First-Time Homebuyer Programs – FHA, VA, Cal/Vet, Conventional 1% and 3% down
  • Cash Out – For debt consolidation, home improvement, or for whatever you need
  • Mortgages for the self-employed or unconventional income
  • Mortgages after a financial event like Bankruptcy, Short Sale, or Foreclosure
  • Reverse Mortgages for our members over 62 years of age
  • Mortgage Calculator

Start the application process with myPSFCU in the comfort of your own home or office without having to visit our branch! Upload documents safely and securely through the use of our encrypted online portal. It’s an easy, user-friendly process that only takes minutes to complete. You will be prompted to register for an online login the first time you visit. Once that has been set up, you will be able to begin filling out the application.

Need help with finding the right home? Contact our trusted partner, Patricia Ramirez of Century21 Allstars and get started today!

Home Equity Line of Credit (HELOC)

For homeowners, a home equity line of credit is one of the most affordable avenues to getting the cash you need for just about any goal, like a kitchen renovation or large purchase. It offers you flexible access to a line of credit that’s there for you when and how you need it – and our knowledgeable lenders make it easy to take advantage of.

  • Intro rates as low as 3.99% APR* for first 6 months
  • Uses the equity in your home as collateral
  • Flexible line of credit that allows you to finance only what you need when you need it
  • Use for home improvements, debt consolidation, major purchases, and more
  • May be tax-deductible when used for home improvements (consult your tax advisor)

Call us today for more information!

Become a Member

Applying for membership is easy. Get started online today and get an instant approval!

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