Home Purchase
More ways to get you home.

A Variety of Affordable Loan Options to Qualify More Homebuyers

Explore our diverse mortgage products tailored to suit your unique needs and financial circumstances. From conventional loans to accessible options with flexible criteria and lower to no down payments, we offer a variety of solutions to help you achieve your homeownership goals.

  • Conventional mortgages, with fixed-rate and adjustable-rate options, are designed for qualified borrowers and tailored to your long-term plans and financial preferences.
  • Equitable mortgage solutions, government-backed and grant-backed loans, are available for eligible borrowers. Talk to one of our experienced real estate specialists to determine your eligibility.

Benefits of USC Credit Union Home Loans

  • Count on our team of experienced professionals to find the best loan option for you, and to be with you every step of the loan process.
  • Know how much home you can afford with our easy and free prequalification.
  • No private mortgage insurance options provide you with lower monthly payments.
  • Most loans are available in all 50 states.

Conventional Fixed and Adjustable Rate Mortgages

Qualified borrowers can save big on the overall cost of their homes.

Consider your long-term plans and financial preferences when choosing between a fixed-rate mortgage and an adjustable-rate mortgage (ARM).

  • Fixed-rate mortgages have consistent monthly payments – perfect if you plan to stay in your home long-term.
  • Adjustable-rate mortgages offer a low fixed rate for an initial term and adjust semi-annually thereafter and are best if you plan to relocate within five to seven years.
  • No mortgage insurance requirement for borrowers who can afford a larger down payment, conventional mortgages eliminate the need for costly private mortgage insurance (PMI).

Equitable Mortgage Solutions

Expanding access to homeownership by offering accessible financing options.

Federal Housing Administration (FHA), Veterans Affairs (VA), and grant-backed mortgages for eligible borrowers that offer lower down payment requirements and flexible credit criteria. Ideal for low-income, first-time borrowers, DACA, ITIN, and active military, veterans, and their surviving spouses.

  • Low minimum down payments and loan options with no money down
  • Lower interest rates and closing costs
  • Higher debt-to-income ratios relative to other loan types
  • No private mortgage insurance (PMI) requirements on some loans
  • No prepayment penalty on some loans

First-Time Home Buyer Loans

Buy your first home with confidence.

Buying a home is exciting – but complex. Count on our team of experienced home-lending professionals to guide you through every step of the process. We put together a guide to help you buy your first home with confidence. Find everything you need to know all in one place, including:

  • Home buying basics and loan options
  • Step-by-step application process
  • Post-closing next steps

Right Move Realtor Program

Make the right move and get valuable rebates on your agent’s commission.

Thinking of using a real estate agent to help you buy or sell your home? Need more convincing? Take a look at what USC Credit Union’s Right Move program offers home buyers and sellers in Los Angeles and Orange County:

  • Rebates on home sales and purchases1
  • Discounts on escrow services and home warranties1
  • Guaranteed on-time mortgage loan closing1

Contact an Experienced Real Estate Specialist Today!

Guillermo Monterrosa

Phone: 213-605-3564

Email: gmonterrosa@usccreditunion.org

NMLS: #491919 

Joe Gonzalez

Phone: 213-605-3580

Email: jgonzalez@usccreditunion.org

NMLS# 695529

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!

  • Solar Loans

    Join the clean home energy movement. Choose from two solar loan options, both with USC Credit Union’s affordable rates and flexible terms.

  • Home Equity

    Cash in on the equity you’ve built up. Choose from two affordable options: a home equity line of credit (HELOC) or a fixed-rate home equity loan.

  • Home Refinancing

    Don’t just live in your home – thrive in it. Give your mortgage a second chance and save money by refinancing for a lower rate and more favorable terms.

NMLS #448984

1Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of transaction. Purchase price must be greater than $200,000. To receive the 25% rebates, the home sale and purchase transactions must take place within six months of each other. Rebates applicable to California properties only. Members receive a 20% rebate if they sell or purchase a home with a First Team Agent. First Team Real Estate is not affiliated with USC Credit Union. Ask for details. On-time closing guaranty paid by Hallmark/Coast Cities Escrow at the close of transaction. Hallmark/Coast Cities Escrow is not affiliated with USC Credit Union.

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