Home Loans

Now is the time to purchase or refinance your home.

Southland has a team of real estate experts dedicated to help you realize your dream. Whether you are purchasing a home or refinancing your existing mortgage, we'll help you every step of the way. 

$495 Admin Fee Waiver

$500 Platinum Rewards Credit

Receive up to

$995

in Mortgage Loan Fee Discounts*

Purchase Options

  • Financing for a New Purchase, Refinance, and Non-Owner Occupied (Investment) Property
  • Flexible repayment terms available
  • Adjustable Rate Mortgages (ARM)**
  • Jumbo Loans available

Refinance Options

  • You may be paying too much on your current mortgage. Take advantage of a free Mortgage review and see how much you can save.

Apply by December 31, 2017 and save!

*Waiver of admin fee of $495 for all application received from August 30, 2017 thru December 31, 2017. Relationship Rewards loan fee credit of $350 for Premier Members or $500 for Platinum Members will be credited to your account after loan funding. Visit SouthlandCU.org for complete Relations Rewards program details. Offer is subject to change without notice. **ARM=Adjustable Rate Mortgage. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. Rates are subject to increase or decrease at the end of the fixed rate period, may adjust annually, and are based on an index plus a margin. The current index is the 1-Year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. The 5/5ARM index is based on the 5-year CMT published by the Federal Reserve. P&I payment is subject to change after first interest adjustment. Loan funding is subject to membership eligibility and credit approval. Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. Real Estate Loans are subject to credit approval.

 

 

Buying A Home

  • Purchase Rates
  • Find A Home - Realtor Advantage
  • Home Owners Insurance

 

 

Refinancing Your Mortgage

  • Mortgage Refinance Rates
  • Learn About Refinancing
  • Access Your Home Equity

First Mortgage: Fixed Rate Programs

  •  Rates Effective 11-20-2017
Conforming1 Fixed Rate (starting at) Points APR2 Payment/$1,0003 Alert Me
30 YR Fixed 3.875% 0.000% 3.958% $4.70
30 YR Fixed 4.000% -0.625% 4.031% $4.77
20 YR Fixed 3.625% 0.000% 3.739% $5.86
20 YR Fixed 3.750% -0.500% 3.807% $5.93
15 YR Fixed 3.250% 0.000% 3.395% $7.03
15 YR Fixed 3.375% -0.500% 3.447% $7.09
10 YR Fixed 3.250% -0.125% 3.434% $9.77
10 YR Fixed 3.375% -0.375% 3.507% $9.83
Conforming High-Balance Area4 Alert Me
30 YR Fixed 4.125% 0.000% 4.159% $4.85
30 YR Fixed 4.250% -0.500% 4.242% $4.92
15 YR Fixed 3.625% 0.000% 3.683% $7.21
15 YR Fixed 3.750% -0.250% 3.772% $7.27
Non-Owner Occupied (Investor)5 Alert Me
30 YR Fixed 4.125% 0.875% 4.435% $4.85
30 YR Fixed 4.250% 0.250% 4.507% $4.92
15 YR Fixed 3.625% 1.125% 4.206% $7.21
15 YR Fixed 3.750% 0.500% 4.237% $7.27
Jumbo Rates6 Alert Me
30 YR Fixed 3.875% 0.000% 3.958% $4.70
30 YR Fixed 4.000% -0.625% 4.031% $4.77
20 YR Fixed 3.625% 0.000% 3.739% $5.86
20 YR Fixed 3.750% -0.500% 3.807% $5.93
15 YR Fixed 3.250% 0.000% 3.395% $7.03
15 YR Fixed 3.375% -0.500% 3.447% $7.09
10 YR Fixed 3.250% -0.125% 3.434% $9.77
10 YR Fixed 3.375% -0.375% 3.507% $9.83
Rates shown not available in all states. Rates are representative and rounded to nearest point. Actual rates may vary. Assumptions and monthly payments. Fixed-Rate Loans: -Conforming loan amounts vary and depend on property location. -Maximum Loan Amount: Up to 80% combined loan-to-value. Jumbo Loans: -Jumbo Loan amounts vary and depend on property location. -Maximum Loan Amount: up to combined loan to value.
  • 1Conforming Loans up to $424,100. Primary Residence and Second Homes only. .
  • 2APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.
  • 3Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and includes principal and interest only. Taxes & insurance will increase your payment. Loan costs include points, loan origination fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). The Credit Union will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.
  • 4Conforming High-Balance Loans $424,101-$636,150. Primary Residence and Second Homes only. .
  • 5Investor Loans up to $424,100.
  • 6Jumbo Loans over 636,151. Primary Residence and Second Homes only.

First Mortgage: Adjustable Rate Mortgages (ARM)

  •  Rates Effective 11-20-2017
Conforming1 Start Rate Points APR2 # of Months Rate Estimated Payment/$1,0003 Alert Me
3/1 ARM4 3.375% 0.000% 3.558% 36 / 324 3.375% / 3.500% $4.42 / $4.48
5/1 ARM4 2.875% 0.000% 3.402% 60 / 300 2.875% / 3.500% $4.15 / $4.44
5/5 ARM4 2.875% 0.000% 3.344% 60 / 300 2.875% / 3.420% $4.15 / $4.40
7/1 ARM4 3.250% 0.000% 3.484% 84 / 276 3.250% / 3.500% $4.35 / $4.46
10/1 ARM4 3.500% 0.000% 3.580% 120 / 240 3.500% / 3.500% $4.49 / $4.49
Conforming High-Balance Area5 Alert Me
3/1 ARM4 3.375% 0.000% 3.558% 36 / 324 3.375% / 3.500% $4.42 / $4.48
5/1 ARM4 2.875% 0.000% 3.402% 60 / 300 2.875% / 3.500% $4.15 / $4.44
5/5 ARM4 2.875% 0.000% 3.344% 60 / 300 2.875% / 3.420% $4.15 / $4.40
7/1 ARM4 3.250% 0.000% 3.484% 84 / 276 3.250% / 3.500% $4.35 / $4.46
10/1 ARM4 3.500% 0.000% 3.580% 120 / 240 3.500% / 3.500% $4.49 / $4.49
  • 1Conforming Loans up to $424,100. Primary Residence and Second Homes only. .
  • 2APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.
  • 3Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and includes principal and interest only. Taxes & insurance will increase your payment. Loan costs include points, loan origination fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). The Credit Union will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.
  • 4ARM=Adjustable Rate Mortgage. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. Rates are subject to increase or decrease at the end of the fixed rate period, may adjust annually, and are based on an index plus a margin. The current index is the 1-Year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. The 5 year Constant Maturity Treasury (CMT) is used as the index for the 5/5 ARM product. P&I payment is subject to change after first interest adjustment.
  • 5Conforming High-Balance Loans $424,101-$636,150. Primary Residence and Second Homes only. .

Mortgage Loan Calculators

Home Affordability
Lenders will typically look at any of these ratios as constraints, meaning once any of these ratio limits is reached, the amount of the loan will be capped.
Loan Calculator
Find your monthly mortgage payment for a given purchase price, down payment, interest rate, and loan term.
Compare Loans
Determine which of two mortgage loans is the better deal.
Adjustable Rate Mortgage Analyzer
Determine whether paying points for a lower interest rate is a good deal.
Should I Refinance?
Compare the terms of your current loan to the refinance loan that you are considering.

First Team sells more homes in Southern California than any other real estate company. When you sign up for our Customer-exclusive program, we will select an agent just for you who will work with your loan consultant to help make your home purchase go smoothly. 

Start Your Home Search

Find Your Perfect Home

Search every MLS listing in Southern California to find your home and work with experienced professional agents in your area.

25% Commission Rebate

Get a 20% rebate from the commission of a participating First Team Real Estate agent when you complete either a home sale or purchase. If you complete both a sale and a purchase with First Team, you can receive a 25% rebate.

20% Escrow Discount

20% discount on escrow services from Hallmark/Coast Cities Escrow, including free signing services at your home or office and guaranteed on-time closing or Hallmark/Coast Cities Escrow will pay you $350.

TruStage® Auto & Home Insurance Program

You trust your Credit Union to make products and services available to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance companies, these programs can provide discounted rates exclusively for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Southland Credit Union.

TruStage Car and Home insurance.  You could save an average of $519.52.  Get a quote.

 

Call to find out how much you can save

855-483-2149

Get a Quote

Expert Advice Every Step Of The Way

A lot of lenders promise expert advice, but very few have your best interests in mind. Our mortgage experts will find you the best mortgage that fits your budget and plans. We offer honest rates and an upfront estimate on your monthly payment. 

Orange County

Freddie Yeawary

Freddie Yeawary
Sr. Mortgage Loan Consultant
NMLS ID # 440899
Tel:  562.370.4006
Fax: 866.818.7244
FYeawary@SouthlandCU.org

Los Angeles County

Fernando Aristizabal

Fernando Aristizabal
Mortgage Loan Consultant
NMLS ID # 387135
Tel:  310.803.4763
Fax: 866.396.2097
FAristizabal@SouthlandCU.org

California

Paul Walker

Paul Walker
Mortgage Loan Consultant
NMLS ID # 107244
Tel:  562.419.3508
Fax: 866.450.1945
PWalker@SouthlandCU.org

     
     
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