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Mortgage Loans

Make your dream home a reality

Looking for a home loan? We'll guide you every step of the way.

  • 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

    For all states except NY and HI
    Click here to apply

    Or Call: (855) 624-7248 (Mon-Fri: 5:00 am to 5:00 pm PDT)

    Already filled an application?

    Check Loan Status

    5/5 Adjustable Rate Mortgage (ARM)

    A 5/5 ARM is an adjustable-rate mortgage that offers a lower initial rate for the first five years. After the initial five years, the rate will adjust and lock in for another five years. This loan is an excellent choice for borrowers who want the security of a fixed rate but don’t want the higher rate of a standard 30-year fixed mortgage.

    Click here to view our current rates.

    Put as little as 5% down*

    We offer fixed and adjustable mortgage rate options with as little as 5% down.

    Click here to view our current rates.

    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 Pacific Time)

    Download our Home Buyers Guide – Whether you’re purchasing your first home or a vacation property, we’re with you every step of the way. Click here to download our guide.

Refinance your current home with us.

Looking for a better mortgage deal? Talk to us.

Questions? Talk to an expert. 800.421.7111


*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.

Equal Housing Lender


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