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HCC can help with ALL your home mortgage needs!

Let your trusted credit union show you how we can help with great financing and dedicated service for your most important investment- your home!

Now is a great time to learn about the special treatment and home financing options available exclusively to HCC members.

Our competitive mortgage rates, flexible terms, and fast processing make getting a home loan with HCC easy and affordable. Consider these HCC advantages:

 Refinance with NO REFINANCE FEES

Purchase a new home with NO LENDER FEES3

Enjoy LOW, affordable mortgage rates (no points)

Get Financing up to 97% LTV*

Choose fixed 10, 15, 20 and 30 year terms

With mortgage rates at near-historic lows, now is the time to see what your credit union can do for you! Use our mortgage calculator, to determine how much mortgage you may qualify for, and talk to us!

An HCCU Member Home Loan Specialist is ready to discuss your needs and options with financing available for amounts from $50,000 to $750,000, rate locks up to 60 days, and no prepayment penalty. We can also answer questions about the HARP 2.0 Program and eligibility requirements.

*Financing up to 97% LTV is available for loan amounts up to $417,000. All loans exceeding 80% LTV will require Private Mortgage Insurance. Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply. 1$175,000 at 4.25% APR requires a monthly payment of $860.89 for a 30-year fixed term. $175,000 at 4.00% APR (single variable rate) requires a monthly payment of $309.62 for a 30-year term 3Only third party fees (appraisal, title, inspections, etc.) apply to a purchase mortgage. Fannie Mae conforming loans only. Secondary market guidelines apply. Available on all terms up to 30 years. 4No lender or third party fees apply. Fannie Mae conforming loans only. Secondary market guidelines apply. Available on all terms up to 30 years. Minimum cash out of $75,000 required on mortgages currently held with HCC.

 We look forward to putting our mortgage services to work for you!

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