Home Loan Overview

CBC is your trusted partner in getting the home of your dreams.

We have been helping our members find their financial happiness for close to 70 years now and we want to help you find the home loan that is right for you.

Fixed-Rate Mortgage – Conforming (up to $647,200)1,2

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
10 Year4.375%04.4445$10.30
15 Year4.625%04.6737$7.71
20 Year5.000%05.0387$6.60
30 Year5.500%05.5293$5.68
  1. FIXED-RATE rates and APRs based on an owner-occupied, single-family home, a loan amount of $548,250 (conforming) or $739,450 (high balance), a maximum LTV of 97% on purchases and 95% on refinances, a credit score above 640, 1.000 points paid and approximate pre-paid finance charges of $2,092. A ‘zero’ point option is available.
  2. For FIXED RATE non-owner-occupied property, add 1.000%to interest rate and add 0.500 to points. Not all products are available for non-owner-occupied properties. 10 year & 15-year products only.

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.

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You can apply now and be pre-approved in as little as 20 minutes!

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Yelp Reviews

What our members are saying.

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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

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.

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.
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