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The Police Credit Union
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Home Loans

Home Loans

The Police Credit Union knows the value of establishing roots in a community. We help police and their families become part of the fabric of a neighborhood so they can contribute meaningfully and improve their quality of life. Law enforcement professionals in California turn to The Police Credit Union for home loan options that fit their budgets and lifestyle goals.

Real Estate Resource Center

Mortgage Application Center: Where to Start

Our Mortgage Center has a variety of resources for those researching a home purchase or refinance. When you're ready to apply for a home loan, submit an application here.

Get Started

 HomeAdvantage logo

Whether you're buying or selling, get help, save money, and connect with top agents through this exclusive, no-cost service for members.

Learn More

Documentation You Will Need

To buy or refinance your first or second mortgage, view our checklists to keep track of everything you'll need.

View Checklists


Home Loan Products

First Mortgage Loans

Our fixed-rate and adjustable-rate first mortgages feature a variety of terms with no hidden fees and no pre-payment penalties.

First Mortgage Loans

Low Down Payment First Mortgages

Perfect for first time homebuyers, our low down payment options let qualified buyers purchase a home for as little as 3% down.*

Low Down Payment Options

Home Equity Loan

Borrow a specific amount of money against the value of your home with a home equity loan featuring a low, fixed rate.

Home Equity Loan

Home Equity Line of Credit

Tap into your home equity with a line of credit that you can use as you need it to pay for more renovations or lifestyle purchases.

Home Equity Line of Credit

H.E.R.O. (Helping Enable Residential Ownership) Mortgage Loan

Exclusive for active Law Enforcement, this new product offers 100% financing, 0% down payment and no PMI (Private Mortgage Insurance) requirements for first time homebuyers.

H.E.R.O. Loan

Reverse Mortgages

This mortgage for homeowners age 62 and beyond allows you to spend home equity you’ve built up without selling your home.

Reverse Mortgages


Contact Us

Have questions about your home loan? Get in touch using the form below, and we’ll guide you through the process.
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*Private mortgage insurance (PMI) is required for LTVs greater than 80%. Members must meet CU guidelines for approval. Final approval required.

NMLS ID# 409710