Mortgage & Home Equity
CBC Home 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. We offer loan options specific to your needs:

  • Fixed & Adjustable Rate Mortgages

    Whether you’re looking to buy a home or refinance, we have you covered.

    Fixed Rate Loans

    • 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

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    Adjustable Rate Mortgages (ARMs)

    • Lower initial monthly payments
    • Perfect for those who will be in their homes for a limited time and want flexible mortgage options
    • Good choice for those expecting solid growth in household income
    • Offer low rates that only adjust after the initial five or seven years of the loan
    • 5/1 and 7/1 ARMs at our lowest rates
    • 5/1 ARM — No closing cost option available
    • Conforming, High Balance and Jumbo loans available

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    Jumbo Loans

    • High balance loans (up to $636,150)*
    • Jumbo loans (up to $1,000,000)
    • Super jumbo loans (up to $4,000,000)

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    *Ventura County only

    2nd Trust Deed Loans

    • Closed-end loans are available up to 80% loan-to-value
    • 15-year and 20-year fixed rates
    • Very competitive rates

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    HARP Loans

    • Refinance even if you owe more than your home’s current value
    • No maximum loan-to-value limit**

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    ** Fannie Mae and Freddie Mac have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Fannie Mae or Freddie Mac, you may be eligible to refinance your mortgage under the enhanced and expanded provision of HARP. You can determine whether your mortgage is owned by either Fannie Mae or Freddie Mac by checking the following websites: www.fanniemae.com/loanlookup or www.freddiemac.com/mymortgage.

    Only Fannie Mae loans are eligible for HARP at CBC

  • Home Equity Line of Credit

    What can you do with your home’s equity...? Anything you want! Pay off high rate debt, remodel your home, take a vacation or pay for a wedding, whatever you need! Take the equity you’ve built up in your home and put it to use.

    • NO Closing Costs
    • NO Hidden Fees
    • Lowest Rates in Town

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  • Fresh Start Mortgages

    CBC designed this loan to get a previous homeowner back into homeownership. Today, there are all kinds of reasons why a good borrower had a bad outcome. The Fresh Start Mortgage Loan gets them back to where they belong… In a home. Call our Real Estate Department at 805-988-2151 for complete details.

Prime Alliance Real Estate Services

Let CBC help you find a better way to buy and sell a home. Our dedicated member advocates will explain how the program works, determine your specific needs, introduce you to the best-suited Real Estate agent and stay involved until you are happily settled in your new home.

CBC Certified Real Estate Agents are hand-picked and certified to work with our members based on professionalism, creativity and market knowledge. Plus, you'll enjoy:

  • 20% cash rebate on Realtor commission
  • 10% discount on Penske Moving Trucks & Supplies
  • Up to 30% off Sears Commercial purchases including:
    • Kenmore & other brand name appliances
    • Garage Storage
    • Grills & Generators
    • Gift Cards
    • Mowers & Tractors
    • Televisions, Mattresses & much more
  • Smart Home Security Solution - Free Home Security Alarm Solution which includes the essentials.
  • One-Source Solution Utility Connect - This service allows members to coordinate new home utility services with just one phone call.

Don't have a real estate agent yet?

Call to get started, 800-705-0276, or click and be connected online today!