Fixed-Rate Loans Purchasing a home is one of the biggest investment decisions you will ever make. You can trust CBC for professional guidance and efficient processing to make your experience easier. Whether you’re looking to buy a home or refinance, we have you covered. Your interest rate and payment amount will remain the same during the life of your loan No pre-payment penalties Ideal for the homeowner who plans to stay in the home for at least seven years 10 to 30-year terms available Builds equity faster Get Started Today! You can apply now and be pre-approved in as little as 20 minutes! Apply Now Meet our experts Our mortgage team is ready to help and happy to answer your questions! Sarai Warren NMLS# 228558 (805) 278-5797 [email protected] Junior Bibian NMLS# 522456 (805) 278-5716 [email protected] Fixed-Rate Mortgage – Conforming (up to $726,200)1,2 ProductRate as low asDiscount PointsAPR as low asPayment per $100010 Year7.125%07.200$11.68 15 Year7.250%07.304$9.1320 Year7.375%07.418$7.9830 Year7.750%07.784$7.16 Fixed-Rate Mortgage – Non-Owner Occupied4 ProductRate as low asDiscount PointsAPR as low asPayment per $100030 Year8.000%08.035$7.3430 Due in 158.500%08.536$7.69 Fixed-Rate Mortgage – High Balance (up to $948,750)2 ProductRate as low asDiscount PointsAPR as low asPayment per $100015 Year7.500%07.541$9.27 30 Year7.500%07.526$7.69 Fixed-Rate Mortgage – Jumbo (up to $1,500,000) ProductRate as low asDiscount PointsAPR as low asPayment per $100015 Year7.250%07.509$9.1330 Year7.500%07.664$6.99 Home Equity Loans – Fixed Rate 2nd3 ProductRate as low asDiscount PointsAPR as low asPayment per $100015 Year8.500%09.342$9.8520 Year9.000%09.703$9.00 FIXED RATE rates and APRs based on an owner-occupied, single family home, a loan amount of $726,200(conforming) or $948,750 (high balance), a maximum LTV of 95% on purchases and 95% on refinances, acredit score above 620, 1.000 points paid and approximate pre-paid finance charges of $2,417. A no lender costoption available. For FIXED RATE non-owner-occupied property maximum LTV 70%. Not all products are available for non-owneroccupied properties. Rates and APRs based on an owner-occupied, single family home, a loan amount of $50,000, a maximum LTV of80%, credit score above 620 and approximate pre-paid finance charges of $1800. For a LTV of more than 80%, please contact our real estate department for current rates. Rate and APR based on conforming loan amount and 70% LTV. Rates are subject to change without notice. These mortgage rates apply only with certain conditions. Your rate depends on several factors including market conditions, property type, loan purpose, credit score, debt to income ratio, and loan-to-value. The displayed annual percentage rates (APRs) include total points and prepaid finance charges but do not include other closing costs. Loans over 80% LTV require private mortgage insurance. Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after your loan has been pre-approved by CBC FCU. Related Products Jumbo Loans Great terms and rates. Balances up to $1,500,000 Continue Reading Home Equity Line of Credit Home Equity Line of Credit & Fixed Rate 2nd What can you do with your… Continue Reading Home Loan Overview Home Loan Overview CBC is your trusted partner in getting the home of your dreams…. Continue Reading Need an expert’s help? Fill out the form below and a home loan team member will connect with you. Name* Phone Number* Email* What are you interested in?* Purchase Refinance Cash out refinance Home equity line of credit CAPTCHAEmailThis field is for validation purposes and should be left unchanged. Yelp Reviews What our members are saying. Leave a Review The Service here is ridiculously good. Especially Sarai and Patty in the Mortgage Loan division. It is personal, fast, easy and they are highly available for questions and concerns. They offer competitive rates, are flexible and informative. Keep doing what you are doing and I will only ever do business with you! LM Lester Mascon This is one of the best credit unions I have been to. I have 4 different banks just to have variety and this is the best. Easy drive-thru atm and everyone I have dealt with a teller they have been very polite and even made small talk. ML Marcos L. I am so happy that I chose CBC FCU to refinance my home loans. Junior and Kathleen in the origination department were joys to work with, and I received personalized service from the beginning to end, and the process was easy. Robert W. Fortunate to work with Sarai Warren and team! My first conversation with Sarai for a home refinance, with credit cad debt pay off and cash out was on 12/2! I explained to Sarai that I was in a tough financial bind and I needed to have things move quickly. David G. I just wanted to give a shout out to Junior and his team. We just refinanced our home through CBC and Junior went above and beyond to help us with the loan and paperwork. We had tried refinancing with another company and it was a headache. Belle B.