Mortgage Loans

Nationwide Mortgage Licensing System & Registry (NMLS) ID#457253

Free Appraisal

*Offer valid for loan applications received July 1, 2017, through September 30, 2017. Applicant must pay full amount of appraisal fee and will receive lender credit of up to $400 at close of escrow. Loan applications withdrawn or not funded after appraisal has been completed do not qualify for the lender credit. One lender credit per loan..

EECU HAS GREAT RATES - Click Here

30- and 15-Year and 10-Year Fixed Rate 1st Trust Deed - Apply for a 30-, 15- or 10-Year Fixed Rate Loan

A fixed-rate loan is ideal for people who want the security of a fixed rate that stays the same for the life of the loan. When the market fluctuates your rate remains the same, providing peace of mind and the security of a fixed rate.

  • Great rates
  • Owner-occupied primary residence, including 1-4 unit properties, approved condominiums and PUDs
  • 30-, 15- and 10-year terms
  • Borrow up to 80% loan-to-value
  • Minimum loan amount $5,000; maximum $424,100
  • Low fees and closing costs
  • Refinancing available
  • Convenient repayment services

30-Year Fixed Rate Non-Owner Occupied 1st Trust Deed – Apply for this Loan

If you’re ready to buy a rental property, this is the loan for you. This loan is used to purchase or refinance a property that is not being used as a primary residence.

  • Great rates
  • Non-Owner occupied single family residence, 1-4 unit multi-dwelling properties, including PUDs
  • Borrow up to 70% loan-to-value
  • Minimum loan amount $5,000; maximum $424,100
  • Low fees and closing costs
  • Refinancing available
  • Convenient repayment services

30-Year Fixed Rate 1st Trust Deed Vacation Home - Apply for this Loan

The perfect option for those looking to purchase a second home. A fixed-rate loan is ideal for people who want the security of a fixed rate that stays the same for the life of the loan. When the market fluctuates your rate remains the same, providing peace of mind and the security of a fixed rate.

Owner-occupied Vacation Home - 1st Trust Deeds

  • 30-year term
  • Borrow up to 80% loan-to-value and combined-loans-to-value (up to 75% for a cash-out refinance)
  • Minimum loan amount $5,000; maximum $424,100
  • Low fees and closing costs
  • Convenient repayment services

Additional Mortgage Loan Options Apply for a loan through CU Members Mortgage

Through our partnership with CU Members Mortgage, you can have access to 15-and 30-year fixed-rate loan products that require as little as 3.5% down payment on the purchase price when the home is owner-occupied as your primary residence - a real benefit to people who may not have the money for a large down payment.

  • Primary residence or vacation home with a loan-to-value higher than 80%
  • Loans over $424,100
  • Purchase or refinance of a 1-4 unit investment property (rental)
  • Purchase or refinance of a property located outside of California
  • Adjustable rate mortgages (ARM)

15-Year Fixed Rate - 2nd Trust Deed
Owner-occupied Primary Residence or Vacation Home

For more information or to apply, call the EECU Mortgage Center at 800-538-3328 or 559-437-7700, select the Lending option, then the Real Estate option.

  • 15-year term for 2nd TD
  • Borrow up to 80% combined-loans-to-value (up to 75% for a cash-out refinance of vacation home)
  • Minimum loan amount $5,000; maximum $424,100
  • Low fees and closing costs
  • Convenient repayment services

 

You may request a Home Mortgage Disclosure Act report here


Mortgage Loan Notice Of Error Or Request For Information

You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account. Notices of Error and Requests For Information must be directed to EECU, Attn: Loan Services, P.O. Box 5242, Fresno, CA 93755-5242. Your submission must be in writing and must include your name, the account and loan number and a description of the error you believe has occurred OR a request for specific information regarding your mortgage loan.