Real Estate Loans

Whether you’re looking for a new home, trying to refinance, or thinking of a remodeling project, our team is here to help you get the right home loan for your needs.

Submit an inquiry form to have our Mortgage Team contact you.

 

Home Equity Line of Credit

A cost-effective way for you to borrow money for big ticket items such as college costs, home improvement projects, or debt consolidation.

Learn more - HELOCs

  • Credit lines up to $250,000
  • Repayment terms up to 20 years
  • Low variable rate
  • No annual fee
  • Minimal closing costs
  • Checks available as needed to pay expenses (up to your credit line)
  • Track and manage your account through Online Banking
  • Consider refinancing your existing HELOC from another lender to help lower your payments.
 

Manufactured Homes

Take advantage of affordability with a Manufactured Home. Avoid increasing rent payments and benefit from speed and customization of your new home.

Learn more - Manufactured Homes

  • Competitive rates
  • Payments amortized over 240 months
  • 25% down payment required
  • Avoid increasing rent payments
  • 16 approved parks within 50 miles of Chaffey FCU
  • Track and manage your account through Online Banking

Pre-Approval List - Manufactured Homes

  • Completed loan application
  • Fully executed and accepted purchase contract along with all counter offers
  • Most current 30 days consecutive pay stubs
  • W2's of 1099's (for the 2 most recent years)
  • If self-employed, last 2 years complete signed federal tax returns
  • Social Security award letter/pension of annuity statements if applicable
  • Verification of funds for down payments. Must be own funds
  • Most current 2 months bank statements (all pages)
  • Two forms of government issued ID and a copy of the social security card
  • Park approval (prior to funding)
  • Contact information for insurance agent who will be insuring the unit (prior to funding)
 

SECOND MORTGAGE

Borrow against the equity in your home to fund large projects. Pay off debt, cover educational expenses, or get a head start on renovations.

Learn more - Second Mortgage

  • Fixed rate and fixed terms
  • Loans up to $250,000
  • Minimal closing costs

First Mortgages

First-time buyers welcome! Competitive rates for purchases and refinances. Our popular 15-year Fixed Low Rate Mortgage may be just what you need!

Learn more - Fisrt Mortgage

  • Competitive rates and fees
  • Loan terms up to 30 years
  • Easy application process
  • Low down payment options available
  • No pre-payment penalty
  • First Trust Deed Loans too!