We have money to lend.

We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. Equal Opportunity Lender

Contact the home loan specialists at Ventura County Credit Union to find out how we can streamline the home buying process for you.

For real-time mortgage and refinance loan rates, CLICK HERE.

Fixed Rate Loans
Rates Effective: May 16, 2018
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
3030 Year Conforming HomeReady (First Time Homebuyer)0.250%4.750%5.145%$5.14
3030 Year Conforming0.250%4.875%4.944%$5.21
0.750%4.750%4.819%$5.22
1430 Year High Balance Loan0.750%5.125%5.182%$5.36
1.000%4.950%5.006%$5.29
3130 Year Non-Conforming0.000%4.500%4.565%$5.07
4315 Year Conforming0.500%4.250%4.367%$7.39
0.750%4.125%4.242%$7.33
1515 Year High Balance0.875%4.750%4.846%$7.77
1.000%4.625%4.721%$7.58
1915 Year non-Conforming0.625%4.750%4.846%$7.58
15 year non-conforming1.000%4.500%4.595%$7.64
ARM Loans
Rates Effective: May 16, 2018
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
875/1 ARM 2/2/5 Conforming 1 YR LIBOR0.000%3.250%3.402%$4.36
885/1 ARM 2/2/5 High Balance Loan 1 YR LIBOR0.000%3.375%3.434%$4.43
885/1 ARM 2/2/5 Non Conforming 1 YR LIBOR0.000%3.500%3.472%$4.50
355/5 ARM 2/2/5 Conforming 5 YR Treasury CMT *(1)0.000%3.500%4.055%$4.50
355/5 ARM 2/2/5 High Balance 5 YR Treasury CMT *(1)0.000%3.625%4.088%$4.57
355/5 ARM 2/2/5 Jumbo 1 YR LIBOR0.000%3.750%4.126%4.64
907/1 ARM 2/2/5 Conforming 1 YR LIBOR0.000%3.500%3.369%$4.50
907/1 ARM 2/2/5 High Balance 1 YR LIBOR0.000%3.625%4.417%$4.57
907/1 ARM 2/2/5 Non Conforming 1 YR LIBOR0.000%4.000%4.591%$4.78
VA Loans
Rates Effective: May 16, 2018
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
0715 Year Fixed VA1.0004.000%4.323%$7.33
0630 Year Fixed VA0.750%4.250%4.434%$4.84
Alternative Fixed Rate Loans
Rates Effective: May 16, 2018
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
2120 Year Conforming0.250%4.625%4.734%$6.20
2120 Year Conforming0.875%4.500%4.593%$6.06
2310 Year Conforming0.750%4.125%4.293%$10.13
2310 Year Conforming1.000%4.000%4.168%$10.13

*Taxes and insurance premiums are not included in the payment and your actual payment obligation will be greater.

All rates are subject to change without notice. Rates are not guaranteed until locked. Rates for these products are determined by the applicant's credit history, payment history, income, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Loans are subject to credit approval and secured by a lien on owner-occupied homes. Depending on your situation, mortgage insurance may be needed which could increase the monthly payment and APR. Loan programs are subject to change or may be discontinued without notice. Other restrictions may apply.

Conventional Conforming Loan Programs (Ventura County) Loans up to $453,100. Annual Percentage Rate (APR) based on a loan amount of $453,100 for the stated term for an owner occupied single family property with a Loan-to-Value (LTV) of 80%. HomeReady from FNMA is based on a Loan-To-Value (LTV) of 97%, requires Mortgage insurance and an impound account.

Conventional High Balance Loans Loans between $453,101 and $672,750 Ventura County, $679,650 for L.A. and $625,500 Santa Barbara County. Annual Percentage Rate (APR) based on a loan amount of $598,000 for the stated term for an owner-occupied single family property with a Loan-to-Value (LTV) of 80%.

Conventional Non-Conforming Loans (Ventura County) Loans over $672,750 up to $1,500,000. Annual Percentage Rate (APR) based on a loan amount of $800,000 for the stated term for an owner occupied single family property with a Loan-to-Value (LTV) of 80%.

VA Loan Program Loans up to $1,094,625 require 25% guaranty, which may be a combination of VA entitlement and down payment on the property. Loans made available to eligible veterans only. Annual Percentage Rate (APR) based on a loan amount of $400,000 for the stated term for an owner occupied single family property. VA funding fee may be required on VA loans.

(1) Rate is variable and can increase no more than 2 percentage points at the first adjustment after 5 years and 2 percentage points annually after the first adjustment, with a lifetime maximum adjustment of 5%. (2) Rate is variable and can increase no more than 2 percentage points every 5 years with a lifetime maximum adjustment of 5%. (3) Rate is variable and can increase no more than 2 percentage points at the first adjustment after 7 years and 2 percentage points annually after the first adjustment, with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First estimated payments per $1,000 displayed are based on the starting interest rate as of the date above. At applicant's option VCCU will pay loan origination and third-party fees, with some exceptions. The interest rate will be increase by .25%. Contact VCCU home loan specialist for details.

Second Trust Deeds

Standard Equity
Rates Effective: May 16, 2018
Program IDDescriptionRate (as low as)APR (as low as)Est. Payments Per $1,000
4415 Year Fixed 2nd TD6.250%6.078%$8.44
6910 Year Fixed 2nd TD6.250%6.110%$11.10
6720 Year Fixed 2nd TD6.250%6.062%$7.16
Home Equity Line of Credit - Adjustable Rate (Owner Occupied Property)
Rates Effective: May 16, 2018
Program IDDescriptionRate (as low as)APR (as low as)Index Prime +Est. Payments per $1,000
71Standard HELOC 80.01% CLTV up to 85%6.250%6.250%1.500$8.57
71Standard HELOC 70.01% up to 80% CLTV5.250%5.250%0.500%$8.04
71Standard HELOC 70% CLTV or less4.750%4.750%0.000%$7.78
71Standard HELOC 60% CLTV or less (Investment Property)6.250%6.250%1.500%$8.57
Home Equity Line of Credit - Adjustable Rate (Investment Property)
Rates Effective: May 16, 2018
Program IDDescriptionRate (as low as)APR (as low as)Index Prime +Est. Payments per $1,000
71Standard HELOC 60% CLTV6.250%6.250%1.500%$8.57

The HELOC has a 15 year draw period and then becomes due and payable over a ten (10) year repayment period. Payments are interest only. The rate is variable and is subject to change quarterly. Variable rate based on Prime Rate Index as published in the Wall Street Journal. This is a Variable Rate loan with an interest rate floor equal to the start rate and a maximum life interest rate cap of 18%. Early repayment fees may apply. Valid for standard Home Equity Line of Credit only; Minimum loan amount is $30,000. Lifetime maximum of 18% APR. Certain restrictions apply.

Rates for these products are determined by the applicant's credit, payment history, income and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on residential property. You may borrow up to 80% of the appraised value for owner occupied property and 60% for investment property; combined loan to value cannot exceed 80% for owner occupied property and 60% for investment property. Maximum cash out for owner occupied property is $350,000 and investment property $100,000. Offer does not include refinances of existing VCCU loans.