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A home loan just for you
We offer several mortgage types, to help you get settled in faster with a rate you’ll love. Whether you want to buy, build, or refinance, we’ll find you a solution.
- Put as little as 5% down*
- Fixed and adjustable-rate options
- VA, FHA, and Jumbo Loan Programs available
- 7, 10, 15, 20, and 30-year terms
Home Loan Programs
Want to learn more about our VA, FHA, and Jumbo Loan Programs? Our loan consultants are ready to answer your questions about financing, find a loan that’s right for you, and help you get pre-qualified.
(855) 624-7248 (Mon-Fri: 5:00 am to 5:00 pm PDT)
Fixed-Rate Mortgage (Conforming)
Rates Effective as of: 12-04-2021
Term Conforming Rate Conforming APR* Cost per $100K 7-Year 2.250% 2.661% $1,288 10-Year 2.500% 2.793% $943 15-Year 2.750% 2.952% $678 20-Year 3.000% 3.157% $555 30-Year 3.250% 3.362% $435
Adjustable-Rate Mortgage ARMs (Conforming)
Rates Effective as of: 12-04-2021
Term Conforming Rate Conforming APR* Cost per $100K 3/1 3.000% 3.111% $422 5/1 3.250% 3.362% $435 7/1 3.375% 3.488% $442 5/5 3.500% 3.614% $449
Refinance your current home with us.
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Questions? Talk to an expert. 800.421.7111
*APR: Annual Percentage Rate. Rates accurate as of 10-1-2021. The information provided assumes the loan amount of $200,000 on a purchase or rate-term refinance, with a loan amount of $200,000 and an estimated property value of $250,000. An escrow (impound) account may be required. The rate lock period is 45 days. The loan-to-value (LTV) is 80%. A down payment of 20% is required. At a 3.250% interest rate, the APR for this loan type is 3.362%. The monthly payment schedule would be: 360 payments of $870.00 at an interest rate of 3.250%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
Restrictions and limitations apply. The offer is NOT available in the following states: AK, CT, HI, MD, MA, NM, NV, NY, and RI. The offer is NOT available for FHA, VA, or USDA loans. The offer is ONLY valid for mortgage loans ensured by TruHome in approved states and only to be used for the Jumbo Loan program. Jumbo loan limits start at $548,250 in most areas of the country but can start at $822,375 for high-cost areas like Washington, D.C., Hawaii, and some parts of California where home prices tend to be higher. Click here to view the limits on a map as of October 1, 2021. Limits are subject to change and closing costs promotion may end at any time. Both ARMs and fixed loan rates apply to this offer. Both ARMs and Fixed Loan rates are subject to increase or decrease at the end of the fixed period, may adjust annually, and are based upon an index plus margin. SkyOne Federal Credit Union will pay borrower’s third-party closing costs up to 2% of the loan amount up to a cap of $5,000 excluding discount points, private mortgage insurance, prepaid interest, homeowner association fees, home inspection fees, condo document fees or funds to establish the member’s escrow account. Appraisal and any fees collected from the borrower during the loan process will be credited back to the borrower at loan closing. However, such fees will not be refundable to the borrower if the loan is not completed for any reason. If the loan is paid in full within the first 36 months of the commencement of the loan, the borrower will be required to reimburse 100% of the closing costs (a value up to $5,000) paid by SkyOne Federal Credit Union. All loans are subject to membership eligibility, credit, and underwriting approval. Additional terms and conditions may apply. Call (855) 624-7248 (Mon-Fri: 5:00 a.m. to 5:00 p.m. Pacific time) if you have any questions.
APR: Annual Percentage Rate. Rates in this example are accurate as of October 1, 2021. The information provided assumes the loan amount of $548,250 on a purchase or rate-term refinance, with an estimated property value of $688,000. An escrow (impound) account may be required. The rate lock period is 45 days. The loan-to-value (LTV) is 80%. A down payment of 20% is required to avoid PMI. At a 3.500% interest rate, the APR for this loan type is 3.594%. The monthly payment schedule would be 360 payments of $2,462 at an interest rate of 3.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Please refer to the Fee Schedule and All in One Disclosure for complete details.
Equal Housing Lender