Compare Home Loans

Work with our experienced lending professionals to find the perfect mortgage.

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We have the keys to your new home.

We offer a portfolio of loans with competitive rates for new purchases or refinances; no prepayment penalties and tax advantages.**

Fixed-Rate Mortgages

Simplify your household budgeting with a VCCU fixed-rate mortgage. Your monthly payment won't change over the life of the loan.

  • Flexible terms available: 10, 15, 20 and 30 years
  • Great for primary, secondary or vacation homes
  • Get cash out of your mortgage to consolidate debt or pay for future home improvements

Jumbo Mortgage Loans

If you need to borrow more than the limit on a conventional loan, a Jumbo Loan from Ventura County Credit Union may be your answer.

  • Conforming/high-balance between $548,251 and $739,450 in Ventura County
  • Non-conforming/high-balance up to $1 million in Ventura County
  • Choose a 15-year or 30-year term

Adjustable Rate Mortgages

Adjustable Rate Mortgages (ARMs) come with a lower initial interest rate - and therefore a lower monthly payment.

  • Options include 5/1 ARM, 5/5 ARM and 7/1 ARM
  • Your rate and your payment will change according to your loan terms
  • A good choice if you expect your income to rise or you plan to move again in a few years

2nd Trust Deeds

You might have heard these loans referred to as second mortgages or Home Equity Loans.

  • Fixed-rate loans
  • 10-, 15- and 20-year options available
  • Useful for consolidating debt or making home improvements

Piggyback Loans

A unique option that includes one loan for the majority of your borrowed amount and a second that “piggybacks” on the first and covers the remaining amount.

  • Lower down payment and total monthly payments
  • No monthly private mortgage insurance (PMI) costs
  • Great for first-time home owners

VA Loans

VCCU is proud to offer government-backed loans that include a number of financial advantages.

  • Active duty military, veterans and reservists are eligible
  • 15-year and 30-year loans available
  • Down payments as low as 0% with reduced closing costs and no monthly mortgage insurance

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

I became a member in 2017 when my sister in law told me about your awesome mortgage rates and I then refinanced my home with VCCU.
Jorge S., Port Hueneme

All loans subject to approval. VCCU is an Equal Housing Opportunity lender.
**Consult with your tax advisor.