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 more than 70 years and we want to help you find the home loan that is right for you. Name* Email* Phone* Adjustable-Rate Mortgages – Conforming (up to $766,550)1,2 ProductRateAPRPointsMarginIndexCaps EstPayment per $10005/6M5.875%7.560%.002.75%5.347%2/1/5$5.927/6M6.000%7.390%.002.75%5.347%5/1/5$6.00 See more home loans rates: Fixed Rate Loans Adjustable Rate Loans 2nd and Home Equity Secured Overnight Financing Rate (SOFR) after the initial 5 years, the rate may adjust every 6 months by no more than 2%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances. Secured Overnight Financing Rate (SOFR) after the initial 7 years, the rate may adjust every 6 months by no more than 5%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balances purchases and refinances. 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 OceanAir FCU. 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) 988-2151 Ext: 5716 [email protected] What are you interested in? Fixed Rate Loans Fixed-Rate Loans Purchasing a home is one of the biggest investment decisions you will ever… Continue Reading Adjustable Rate Loans Adjustable Rate Loans Purchasing a home is one of the biggest investment decisions you will… Continue Reading Home Equity Line of Credit Home Equity Line of Credit & Fixed Rate 2nd What can you do with your… 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 CAPTCHAPhoneThis 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 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.
