Home Purchase

Fixed and adjustable rates. Flexible terms.

Fixed-Rate Mortgage

If you plan to stay in your home for a long time and you want consistent monthly payments, you want to lock into a fixed-rate mortgage. USC Credit Union offers traditional terms of 15-, 20- and 30-year fixed-rate mortgages and tailored terms from 5 to 25 years to fit your needs.

Adjustable-Rate Mortgage

If you plan to move in the first five to seven years or you want lower monthly payments upfront, it makes sense to consider an adjustable-rate mortgage (ARM). Lock in a low fixed interest rate for the first five and seven years (5/6 and 7/6 ARMs), along with fixed principal and interest payments. Once the fixed term expires, the rates adjust every six months. 


Benefits of USC Credit Union Home Loans

  • Choose a term that works for you: fixed-rate or adjustable-rate purchase options
  • Count on our team of experienced home-lending professionals to guide you through every step of the process
  • Know how much home you can afford with our easy free prequalification
  • Loans in all 50 states

FHA and VA Home Loans

Lower rates and flexible terms for qualified buyers.

Government-backed loans that offer lower down payment requirements and flexible credit standards. Ideal for low-income, first-time borrowers, DACA, ITIN, and active currently 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

First-Time Home Buyer Loans

Buy your first home with confidence.

Buying a home is exciting – and 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
  • 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.

  • FHA & VA Loans

    Need a mortgage with a low down payment? FHA (Federal Housing Administration) home loans fit the bill. Veteran or active military? Ask about VA (Veterans Affairs) home loans – perfect for first-time homebuyers.

  • 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.

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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