REAL ESTATE LOAN RATES
FIRST-TIME HOMEBUYER
HOME EQUITY LINE OF CREDIT
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.
EECU Mortgage Loan Options
We have a variety of loan types and terms at competitive rates to fit your needs. You can count on us to provide you with personal service and guidance throughout the process to make your experience as smooth and stress-free as possible – from application to close of escrow.
Nationwide Mortgage Licensing System & Registry (NMLS) ID#457253
EECU Advantage Loan
Primary Residence
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
10% Down Payment Required
Owner Occupied
Primary Residence
Available Term:
30, 20, 15, 10 Years
Loan Type:
Fixed Rate
Down Payment:
20% Down Payment Required
JUMBO
Primary Residence - High Loan Amount
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
20% Down Payment Required
Non-Owner Occupied
Investment Property
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
30% Down Payment Required
Vacation
Second Home
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
20% Down Payment Required
Additional Mortgage Loan Options
In addition to the home loans available through EECU, our members also have access to a variety of loans with low down payment options through NavPros.
FHA
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
As low as 3.5%
VA
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
As low as 0%
Manufactured Home
Available Term:
30 Years
Loan Type:
Fixed Rate
Down Payment:
As low as 3.5%
Compare EECU Mortgage Loan Options
| Owner Occupied | Owner Occupied - Jumbo | Non-Owner Occupied | Vacation Home | Advantage Loan | 2nd Trust Deed Primary Residence or 2nd Home | |
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| Fixed Rate |  |
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| Terms | 10-, 15-, 20-, or 30-Year Term | 30-Year Term Only | 30-Year Term Only | 30-Year Term Only | 30-Year Term Only | 15-Year Term Only |
| Maximum Loan-to-Value | 80% | 80% | 70% | 80% | 80.01% to 90% | 80% CLTV |
| Minimum Down Payment | 20% | 20% | 30% | 20% | 10% | N/A |
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| Refinance | |
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| Cash-out Refinance | |
Up to 75% Loan-To-Value |
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| Rate Lock Available | |
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| Condominium/APUD Financing | |
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| Escrow/Impound Accounts Available | |
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| Private Mortgage Insurance Required | |
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| Minimum Loan Amount | $50,000 | $806,501 | $50,000 | $50,000 | $50,000 | $50,000 |
| Maximum Loan Amount | $806,500 | $1,500,000 | $806,500 | $806,500 | $806,500 | $350,000 |
| Pre-Payment Penalty | No | No | No | No | No | No |
| Serviced at EECU | |
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Conditions and restrictions apply.
Request a Home Mortgage Disclosure Act report
Home Equity Line of Credit
Need a flexible way to finance home improvements, consolidate debt, or cover unexpected expenses? A Home Equity Line of Credit (HELOC) with EECU gives you access to the funds you need, when you need them. Apply today and take advantage of competitive rates and flexible terms.
- Terms up to 25 years, including a 10-year draw period
- Up to 80% loan-to-value financing
- Low application fee
- No annual fee
- Easy access to funds – convenience checks, branch/ATM withdrawal, transfer through Online/Mobile Banking
- May be tax deductible – consult your tax advisor
HELOC Rates
| 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 |
Current variable APR accurate as of 6/01/25. Maximum lifetime variable APR is 5.00% over initial rate shown above. $125 application fee. Other fees to open a HELOC typically range from $221 to $600. Available on California owner-occupied real property only. EECU membership required. Other restrictions may apply. All loans subject to approval. Rates and terms subject to change without notice.
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.
