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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
    • 7, 10, 15, 20, and 30-year terms

    Apply Today

    For California and all other states other than AK, CT, HI, MD, MA, NV, NH, NM, NY, RI
    Click here to apply

    For: AK, CT, HI, MD, MA, NV, NH, NM, NY, RI
    Apply today

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


    Already filled an application?

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    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 PDT)

    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.

  • Rates

    Rates

    Fixed-Rate Mortgage (Conforming)

    Rates Effective as of: 07-28-2021

    TermConforming RateConforming APR*Cost per $100K
    7-Year2.250%2.661%$1,288
    10-Year2.375%2.667%$937
    15-Year2.500%2.700%$667
    20-Year2.750%2.905%$542
    30-Year2.875%2.985%$415

    Adjustable-Rate Mortgage ARMs (Conforming)

    Rates Effective as of: 07-28-2021

    TermConforming RateConforming APR*Cost per $100K
    3/13.000%3.111%$422
    5/13.250%3.362%$435
    7/13.375%3.488%$442
    5/53.500%3.614%$449

Refinance your current home with us.

Looking for a better mortgage deal? Talk to us.

Questions? Talk to an expert. 800.421.7111

Disclosures

Conforming loans:

*APR: Annual Percentage Rate. Rates accurate as of 7-26-2021. 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 2.875% interest rate, the APR for this loan type is 2.985%. The monthly payment schedule would be: 360 payments of $830.00 at an interest rate of 2.875%. 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.

Jumbo loans:

Restrictions and limitations apply. The offer is NOT available in the following states: AK, CT, HI, MD, MA, NV, NH, NM, 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 June 17, 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 July 26, 2021. The information provided assumes the loan amount of $548,250 on a purchase or rate-term refinance, with a loan amount of $548,250 and 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 3.375% interest rate, the APR for this loan type is 3.468%. The monthly payment schedule would be 360 payments of $2,424 at an interest rate of 3.375%. 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

Please refer to the Fee Schedule and All in One Disclosure for complete details.