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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!
Educational Resources
Managing Debt
Budgeting: Your Best Partner When In Debt
With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.
Budgeting: Your Best Partner When In Debt
Student Loans
Smart Student Loan Repayment Tips for 2024
Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!
Smart Student Loan Repayment Tips for 2024
Student Loans
Celebrating the Holidays with Student Debt
The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.
Celebrating the Holidays with Student Debt
Identity Theft
The Rise of Card Skimming and How to Fight It
Skimming is a persistent and evolving threat, but by being aware and taking preventative measures, we can fight against compromised cards and protect our financial well-being. Read this guide for tips and signs to watch out for.
The Rise of Card Skimming and How to Fight It
Student Loans
Repaying Student Loans: Budget Your Way to Freedom
Managing student loan debt can sometimes feel like an uphill battle. But the truth is, a smart budget, personalized to your income and other expenses, can be your greatest asset in paying off your student loans while maintaining your quality of life. In this guide, we walk you through the steps to create your own budget that works for you and your goals.
Repaying Student Loans: Budget Your Way to Freedom
Fraud Awareness
Recognizing Text Scams
Does this sound familiar? “Did you attempt a payment for $3,000? Reply YES or NO.” If so, you're not alone. Financial institution impersonations are the most common text scams and usually include bogus fraud warnings and transfer alerts. Follow these tips to help you identify potential scams and keep your personal information safe and secure.
Recognizing Text Scams
Students
How to Pick a Good Student Loan Co-Borrower
When delving into the world of private student loans, you may discover that many lenders mention a “co-borrower.” A co-borrower is someone who applies for the loan with you and is equally responsible for ensuring it is repaid. A private student loan will be held in your name as the primary borrower, but the co-borrower’s name and credit will be tied to the loan as well.
How to Pick a Good Student Loan Co-Borrower
News
The Housing Authority of the City of Los Angeles and USC Credit Union Connect Nickerson Gardens Residents with Financial Literacy Education
The Housing Authority of the City of Los Angeles (HACLA), in collaboration with USC Credit Union, successfully concluded a transformative financial literacy initiative for residents of Nickerson Gardens.
The Housing Authority of the City of Los Angeles and USC Credit Union Connect Nickerson Gardens Residents with Financial Literacy Education
News
USC Credit Union Board Member Michael Broughton Selected for The Obama Foundation Leaders USA program
On August 1, 2023, the Obama Foundation unveiled Altro Founder/CEO and USC Credit Union board member Michael Broughton's selection to the inaugural Obama Leaders USA 2023 program.
USC Credit Union Board Member Michael Broughton Selected for The Obama Foundation Leaders USA program
Students
Student Loan Forgiveness Was Blocked by the Supreme Court. What’s Next?
On June 30, the Supreme Court struck down Biden's one-time student loan debt forgiveness plan, which was set to forgive up to $20,000 for 26 million borrowers. So, what's next? Read this blog post to review the latest updates.
Student Loan Forgiveness Was Blocked by the Supreme Court. What’s Next?
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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