Home Loans

Home Loans

Affordable mortgages from the neighbor you trust.

Starter home, second home, or your “forever home” – whatever you call it, chances are you’ll need a mortgage loan before you can call it home. We offer loans that meet almost every mortgage need and the expertise to advise you on everything from points to property insurance. Whether you’re a first-time home buyer, ready to refinance, interested in utilizing the equity in your home, or seeking loans with flexible credit criteria, you can count on us to guide you home.

Why Choose USC Credit Union for Your Mortgage

  • Choose a term that works for you: fixed-rate or adjustable-rate options for purchase or refinance
  • Count on our team of experienced home-lending professionals to guide you through every step of the process
  • Affordable alternatives to conventional loans that offer lower down payment requirements and flexible credit standards
  • Tap your equity for any purpose: energy-efficient upgrades, major expenses, debt consolidation, or an Accessory Dwelling Unit (ADU) addition

Home Purchase

Conventional and equitable mortgage options to fit your needs and budget.

You’ve got your wish list ready, and you’re eager to shop, but do you have a lender who can help you answer the all-important questions: How much mortgage can I afford, and how can I qualify for loan approval?

  • Affordable fixed-rate and adjustable-rate conventional mortgages with no private mortgage insurance (PMI) requirement
  • Government and grant-backed equitable mortgage solutions with flexible credit criteria
  • Most loans in all 50 states

Home Refinance

Fixed and adjustable rates. Flexible terms.

We offer fixed- and adjustable- rate home refinance loans. By refinancing your current mortgage, you can often get a better payment structure and more favorable loan terms and rates.

  • Traditional fixed-rate terms of 15, 20 or 30 years or flexible fixed-rate terms from five to 30 years
  • Adjustable rates with 5/6 and 7/6 terms
  • Government-backed loan programs available

Home Equity

Tap your home equity to update or consolidate.

Cash from home equity can go a long way toward a big purchase or one of life’s curveballs. You can tap your home equity for any reason – major renovations or unexpected car repairs, to name two.

  • Minimal or no upfront costs or annual fees*
  • Competitive rates and fees

Let’s Talk!

Give us a call at (877) 670-5860, schedule an appointment, or fill out the form below and we’ll connect you with our team of mortgage specialists!

You made getting our HELOC in place easy! The communication was prompt, professional, and thorough. We had started this process with Bank of America, saw the endless list of requirements and timeframe, and I thought to try the credit union. Thank you!


Find and finance the home of your dreams.

Fixed-rate and adjustable-rate mortgages. Refinance mortgage loans. HELOCs and home equity loans. Whatever you need, we’re here to help. 

  • Trojan Insurance

    Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.

  • Family Membership

    Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!

  • Auto Loans

    Why finance with us? Simple: We’re a credit union with no shareholder interests to cater to. The upshot: Bank-beating auto loan rates on cars, trucks, motorcycles, RVs, and more.

*Maximum advance period of 10 years, with a 15-year repayment period. $10,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $8,000 must be maintained for first 12 months; otherwise, a $400 fee will be assessed.

NMLS #448984