Home ownership within your reach!

We offer a variety of real estate loans, with flexible terms, affordable mortgage rates and your choice of options. Whether you're a first time home buyer, looking to move up or ready for a change, you can count on our real estate lending staff to help you find the perfect mortgage. 

Equal Opportunity lender

Ready to get started?

Find a Home Loan Specialist at the office location most convenient to where you live or work. We have offices throughout Ventura, Port Hueneme, Oxnard, Camarillo, Thousand Oaks, Moorpark and Simi Valley, California.

Already applied for a loan?

Login to view the current status of your loan.

Real Estate Benefits Program

We've partnered with CENTURY 21 Everest to provide quality real estate services to our members. Program benefits include, cash rebates, free home market analysis, home purchase assistance and much more!

Visit Your Real Estate Benefits Program for details. 

Fixed Rate Mortgages

Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons. Apply Online

  • 30 year Conforming, Non-conforming, & High Balance
  • 15 year Conforming, Non-conforming, & High Balance
  • 20 year Conforming
  • 10 year Conforming

Jumbo Mortgage Loans

Need to borrow more than $417,000? A Jumbo Loan may be your answer. Apply Online

  • $417,000+ (Ventura County)
  • $625,500+ (Los Angeles & Santa Barbara Counties)

Adjustable Rate Mortgages

Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. Apply Online

  • 5/1 ARM
  • 5/5 ARM
  • 7/1 ARM

2nd Trust Deeds

A 2nd Trust Deed is a second mortgage taken out against your current house. 2nd Trust Deeds can be useful for consolidating debt, home improvements and more. We offer a variety of options to meet your needs. Apply Online

  • 15 year fixed
  • 10 year fixed
  • 15/5 year fixed


A piggyback loan is actually two mortgage loans. The first loan is a mortgage for the majority of your borrowed amount. The second "piggybacks" on the first and is a mortgage for what remains. Together they combine for the total amount you wish to borrow. Piggyback loans offer:
  • Lower down payment and total monthly payments
  • No monthly private mortgage insurance (PMI) costs
  • Possible tax deductible interest**
  • No pre-payment penalty
  • No impound/escrow account for taxes or homeowners insurance

Apply Online

VA Loans

Loans are available to eligible veterans for 15 or 30 year terms and offer a competitive interest rate. The down payment is usually lower and can be combined with VA entitlement.  VA funding fee may be required on veteran loans. Apply Online

Home Equity Line of Credit (HELOC)

A home equity line of credit from VCCU is a simple way to free up some cash to make life happen. It's a perfect way to pay for that new kitchen you've always wanted, a wedding, or even consolidate high-interest debt. View our HELOC rates and visit our HELOC page to learn more.

All loans subject to approval.
**Consult with your tax advisor.