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Low down payment mortgage option

Low Down Payment Mortgage

Our new, lower down payment mortgage option is our way of making home ownership more affordable for qualified buyers in California. Our fixed-rate loan is available for as little as 3% down*.

Benefits of our affordable home loan option 

  • Down payments as low as 3% down for owner occupied homes, as low as 10% down* for second homes
  • Finance your primary residence, second home, or investment property (owner occupied and non-owner occupied)
  • We don't pay our loan officers commissions, so you can be confident you are getting honest and objective guidance
  • Competitive rates
  • No hidden costs or pre-payment penalties
  • Loans available up to 97% loan-to-value*
  • Access to our Realtor Referral Affinity Program, which allows you to save money on your Bay Area real estate purchase or sale

We're here to help you get started

Contact Us

Have questions? 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.