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 or want to use the equity in your home, you can rely 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
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!
Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.
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!
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.
Home Loan Advice
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.
Home Loan Advice
Free Home Buyers Guide
USC Credit Union is here to help you feel more confident in today’s real estate market. We’ve helped thousands of our member-owners reach their homeownership goals and we will do the same for you. Download our Free Home Buyer’s Guide and learn about the entire home-buying process.
When is the best time to sell or buy a home?
In buying or selling your home, timing is everything. While there is no one-size-fits-all answer to the best time to sell or buy a home, there are several factors to consider when making your decision.
What is a mortgage?
Buying a home is one of the biggest financial decisions you'll make in your lifetime. A mortgage is a loan that helps you finance the purchase of a home, and it's important to understand how it works.
*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.