This site uses cookies to improve your browsing experience. By using the website, you consent to the use of cookies. To learn more about our commitment to protecting your personal information see our privacy policy.
Purchasing a home is one of the biggest financial decisions most people make in their lifetime. EECU can help you navigate the home-buying process with practical information, valuable tips, and expert guidance to help you make informed decisions.
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 about which mortgage loan option will best suit your needs, complete our Mortgage Information Request form and one of our real estate specialists will contact you.
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
30 Years
Fixed Rate
10% Down Payment Required
30, 20, 15, 10 Years
Fixed Rate
20% Down Payment Required
30 Years
Fixed Rate
20% Down Payment Required
30 Years
Fixed Rate
30% Down Payment Required
30 Years
Fixed Rate
20% Down Payment Required
We also offer 2nd fixed-rate mortgages for Primary Residences and Vacation Homes.View current rates and other terms.
Call 800-538-3328 to apply.
Membership eligibility/approval and $5 savings deposit required to join EECU.
We've lined up the details so you don't have to.
| Product Features | Owner Occupied | Owner Occupied - JUMBO | Non-Owner Occupied | Vacation Home | Advantage Loan | 2nd Trust Deed Primary Residence or 2nd Home |
|---|---|---|---|---|---|---|
| Fixed Rate | Yes | Yes | Yes | Yes | Yes | Yes |
| 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 |
| Purchase | Yes | Yes | Yes | Yes | Yes | |
| Refinance | Yes | Yes | Yes | Yes | Yes | Yes |
| Cash-out Refinance | Yes | Yes Up to 75% LTV | Yes Cash out on 2nd home is limited to 75% CLTV | |||
| Rate Lock Available | Yes | Yes | Yes | Yes | Yes | Yes |
| Condominium/APUD Financing | Yes | Yes | Yes | |||
| Escrow/Impound Accounts Available | Yes | Yes | Yes | Yes | Yes | |
| Private Mortgage Insurance Required | Yes | |||||
| Minimum Loan Amount | $50,000 | $832,751 | $50,000 | $50,000 | $50,000 | $50,000 |
| Maximum Loan Amount | $832,750 | $1,500,000 | $832,750 | $832,750 | $832,750 | $350,000 |
| Pre-Payment Penalty | No | No | No | No | No | No |
| Serviced at EECU | Yes | Yes | Yes | Yes | Yes | Yes |
| Apply Online | Apply Online | Apply Online | Apply Online | Apply Online | Apply Online |
Scroll to reveal more products to compare
Conditions and restrictions apply.
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.
Find answers to frequently asked questions. Need additional information? View additional FAQs here. Or, contact us! If you have questions, we’re here to help.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Thank you for voting for us!
Helpful tips, updates, and insights to guide your financial journey.
Get started today with the support and resources to achieve your financial goals.
