Purchase Options

USC Credit Union offers a number of ways to make home ownership a reality. Together, we’ll find the perfect home loan for you!

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Fixed-Rate Mortgages

A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term. We offer traditional terms of 15, 20, or 30 years, or you can customize your request by choosing a term between 5 and 20 years. Fixed-rate mortgages are ideal for those who plan to stay in their house long-term, allowing a consistent payment over the term of the loan.

Adjustable-Rate Mortgages (Fixed-rate term with adjustable feature)

An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires. Adjustable-rate mortgages are ideal for those who may be considering moving within the first 5-7 years, as it allows you to take advantage of lower interest rates than the typical 30-year fixed rate mortgage.

The most popular ARMs have a fixed rate for the first five or seven years, then have an adjustable rate that typically adjusts annually. These are called 5/1 or 7/1 ARMs.

With a 5/5 ARM, your Annual Percentage Rate will stay the same for the first 5 years of the loan versus changing every year. After the initial 5 years, the rate will only adjust every 5 years for the life of the loan, depending on the market.

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Have questions? Call (877) 670-5860 to speak to a representative in our real estate department.

Right Move Program
If you’re using an agent to help buy or sell your home, look here first! You could earn a 20% rebate from the commission of a participating First Team Real Estate agent who represents you. That could add up to thousands of dollars in savings! Learn More

Free Home Buying Information
If you’re just starting out in the market or if you’ve been around the block a few times, our complimentary educational seminars might be just the information you need to make your decision. You can learn about:

      • Purchasing real estate in the current market
      • Defining your ownership goals and creating your home buying strategy.
      • Choosing the right home loan for you

…and more!

Rates disclosure: The rate may vary depending on each individual’s credit history and underwriting factors. Loans are subject to credit approval. California properties only. Must qualify for USCCU membership, and membership fee may apply; please call (877) 670-5860 or visit www.USCcreditunion.org to confirm eligibility. Payment example is for illustration purposes only and is based on a 30 year fixed rate loan term, at a rate of 4.125%/4.173% APR; 359 payments of $2,055.40; 1 payment of $2,055.22. Verification of income, assets, appraised value, hazard and, if applicable, flood insurance will be required. Payments will be higher with property taxes and insurance. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rates are subject to change daily.