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 and beyond turn to The Police Credit Union for home loan options that fit their budgets and lifestyle goals.

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Questions? Let us walk you through the process. Fill out our inquiry form and a member of our team will be in touch.

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NEW! 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

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

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

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

VA/FHA Loans

The Police Credit Union offers mortgage loans with low down payment options.

VA/FHA Loans

Mortgages Outside California

Police officers and law enforcement members who have moved away from California can still quality for an The Police Credit Union mortgage with this convenient option.

Mortgages Outside California

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

Realtor Referral Affinity Program

Save money on the purchase of your Bay Area home when you work with our Affinity Program realtors.

Realtor Referral Program

Documentation You Will Need

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

Mortgage Documentation

*Private mortgage insurance (PMI) is required for LTVs greater than 80%. Members must meet CU guidelines for approval. Final approval required.