Home Loan Options

Fixed-Rate Mortgage Loans

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

• Flexible loan 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 $726,201 and $948,750 in Ventura County
• Non-conforming/high-balance up to $1.5 million in Ventura County
• Choose a 15-year or 30-year term

Adjustable Rate Mortgage (ARM) Loans

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

• 5/5, 5/6 and 7/6 ARM options available
• 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

Home Equity Loans

You might have heard these loans referred to as second mortgages.

• 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

Veterans Affairs (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