Our goal is to put home ownership within your reach!
We offer a variety of real estate loans, with flexible terms, affordable rates and your choice of options. Whether you're a first time 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.
Home Loans Special Offer
Get up to $2,000 off closing costs on certain mortgage products.* Call us at 805.477.4000 or visit a local office to set up an appointment with one of our Home Loan Specialists to help you get started!
*Up to $2,000 Off Closing Costs Offer: VCCU will reduce your closing costs up to $2,000 on certain mortgage products. The Up to $2,000 Off Closing Costs Offer is a credit toward your mortgage loan closing costs excluding loan rate discount/origination points, taxes, and hazard and private mortgage insurance. This offer does not apply to no-cost loans, subordinate-lien financing, or home equity lines and loans. This limited time offer may be discontinued at any time without notice. No cash value.
Equal housing lender
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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
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
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 and paying off 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
FHA Home Loans are offered through a government program administered by Housing and Urban Development (HUD) as an alternative to conventional mortgage loans. Terms are for 15 or 30 years and down payment is only 3.5%. Apply Online
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 VA 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. Learn More
**Consult with your tax advisor.