REAL ESTATE LOAN RATES
VACATION HOME LOANS
HOME EQUITY LINE OF CREDIT
Real Estate Loan Products Offered and Serviced by EECU
EECU can help you navigate the home-buying process with practical information, valuable tips, and expert service. Whether you’re shopping for a new home, refinancing your current home, sprucing up your living space, or considering an investment property, our experienced team will guide you through the process every step of the way. If you have questions, we have the answers! Complete our Mortgage Information Request form and one of our real estate specialists will contact you.
The following loan types are available to members of EECU. Rates were current as of 2:10 a.m. on 6/17/2025. Rates are for informational purposes only and are subject to change without notice. Please call (800) 538-3328 for current rates.
Nationwide Mortgage Licensing System & Registry (NMLS) ID#457253
Owner Occupied - Primary Residence
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. Owner-occupied primary residence, including 1-4 unit properties, approved condominiums (not applicable for JUMBO loans), and PUDs; mobile home and construction loans are excluded.
Purchase: 20% down payment required. Refinance: minimum 20% equity required.
| Loan Type | Max Loan Amount | Payment Schedule | Note Rate | Points | Annual Percentage Rate | Monthly Pmt per $1,000 borrowed at the current rate | |
|---|---|---|---|---|---|---|---|
| 1st Trust Deed | Fixed Rate | $806,500 | 30 Year | 6.875% | 0.00 | 6.935% | $6.57 |
| 1st Trust Deed | Fixed Rate | $806,500 | 20 Year | 6.750% | 0.00 | 6.827% | $7.60 |
| 1st Trust Deed | Fixed Rate | $806,500 | 15 Year | 6.500% | 0.00 | 6.596% | $8.71 |
| 1st Trust Deed | Fixed Rate | $806,500 | 10 Year | 6.375% | 0.00 | 6.510% | $11.29 |
| JUMBO | Fixed Rate | $1,300,000 | 30 Year | 6.750% | 0.00 | 6.775% | $6.49 |
| 2nd Trust Deed | Fixed Rate | $350,000 | 15 Year | 7.875% | 0.00 | 7.878% | $9.48 |
30-, 15-, 20-, and 10-Year Owner-Occupied Fixed Rate Loans: minimum 20% equity required or 20% down payment if funds will be used to purchase a home. Minimum loan amount: $5,000. Refinancing available.
30-Year Owner-Occupied Fixed Rate JUMBO Loan: minimum 20% equity required or 20% down payment if funds will be used to purchase a home. Condominiums are ineligible. Minimum loan amount: $806,501. No cash out refinance.
Non-Owner Occupied
A fixed-rate loan for the purchase or refinance of an investment property that is not used as a primary residence (non-owner occupied single family residences, 1-4 unit multi-dwelling properties, including PUDs; condominiums, mobile homes and construction loans are excluded).
Purchase: 30% down payment required. Refinance: minimum 30% equity required.
| Loan Type | Max Loan Amount | Payment Schedule | Note Rate | Points | Annual Percentage Rate | Monthly Pmt per $1,000 borrowed at the current rate | |
|---|---|---|---|---|---|---|---|
| 1st Trust Deed | Fixed Rate | $806,500 | 30 Year | 7.375% | 0.00 | 7.436% | $6.91 |
30-Year Non-Owner Occupied Fixed Rate Loan- Minimum 30% equity required or 30% down payment if funds will be used to purchase a residential rental property. Minimum loan amount: $5,000. Rate/Term refinancing is available (no cash out).
Vacation Home
The perfect option for those looking to purchase a second home (mobile home and construction loans are excluded).
Purchase: 20% down payment required. Refinance: minimum 20% equity required (75% for cash out).
| Loan Type | Max Loan Amount | Payment Schedule | Note Rate | Points | Annual Percentage Rate | Monthly Pmt per $1,000 borrowed at the current rate | |
|---|---|---|---|---|---|---|---|
| 1st Trust Deed | Fixed Rate | $806,500 | 30 Year | 7.125% | 0.00 | 7.185% | $6.74 |
| 2nd Trust Deed | Fixed Rate | $350,000 | 15 Year | 8.125% | 0.00 | 8.128% | $9.63 |
| Loan Type | Max Loan Amount | Payment Schedule | Note Rate | Points | Annual Percentage Rate | Monthly Pmt per $1,000 borrowed at the current rate | |
|---|---|---|---|---|---|---|---|
| 1st Trust Deed | Fixed Rate | $806,500 | 30 Year | 7.125% | 0.00 | 7.185% | $6.74 |
| 2nd Trust Deed | Fixed Rate | $350,000 | 15 Year | 8.125% | 0.00 | 8.128% | $9.63 |
30-year 1st Trust Deed Owner-Occupied Fixed Rate Loan: minimum 20% equity required or 20% down payment if funds will be used to purchase a home (up to 75% for a cash-out refinance). Minimum loan amount: $5,000.
15-year 2nd Trust Deed Owner-Occupied Primary Residence or Vacation Home Loan: minimum 20% equity required or 20% down payment if funds will be used to purchase a home (up to 75% for a cash-out refinance of vacation home). Minimum loan amount: $5,000.
Home Equity Line of Credit
Use the equity in your home to pay for all the things you need - and want! Remodel your home, buy a car, pay off bills, take a vacation - the choice is yours. Benefits of this loan include:
- Terms up to 25 years, including a 10-year draw period
- Up to 80% loan-to-value financing
- Low application fee
- No annual fee
- No pre-payment penalties
- Payable within 15 years of the final loan advance
- Easy access to funds – convenience checks, branch withdrawal, advance at an EECU ATM, or transfer funds through Online Banking
- May be tax deductible – consult your tax advisor
- Life insurance available
- HELOC limit increase available at any branch or by calling 1-800-538-3328.
| Current Variable APR | Lifetime Maximum Variable APR | Maximum Credit Limit | Annual Fee | Draw Period | Fees to Open | |
|---|---|---|---|---|---|---|
| 1st Trust Deed | 6.500% | 11.500% | $200,000 | None | 10 Years | $125 - $725 |
| 2nd Trust Deed | 6.500% | 11.500% | $200,000 | None | 10 Years | $125 - $725 |
HELOC Loan- Variable APR accurate as of above date. Maximum lifetime APR is 5% over start rate shown above. Available on California owner-occupied real property only. Other restrictions may apply. All loans subject to approval. Not all borrowers will qualify for all rates or loan types. APR may vary based on loan amount, loan purpose, and other factors. Rates and terms subject to change without notice.
Request a Home Mortgage Disclosure Act report
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.
