Mortgage Learning Center
Explore these resources for all your mortgage needs.
Home Loan Resources
We can help you find out what you need to apply for a loan and learn about the home buying process.
Home Loan Checklists
Look at our quick checklists to make sure you have everything you need to apply for a mortgage.
View Our Checklists
Home Buying Guide
With our digital eBook, you can learn about how and when to get a mortgage, financing tips, and more to help you in your home buying journey.
Explore the E-Book
Interactive Modules
Explore our interactive modules for helpful tips and resources to gain a better understanding of what is involved in homeownership.
Get StartedArticles
Check out our featured articles or see our full library below.
Preparing for a home loan
Mortgage Calculator
Estimate costs and determine how much you can afford.
Homeowners Insurance: 100
Mortgage Insurance: 167
More Calculators
Explore these calculators to evaluate your purchase and refinancing options.
Videos
These videos help break down the technical mortgage terms and provide information on how certain loans work.
How does an ARM work?
Rate vs APR
A New Way to Finance Building Your Dream ADU!
Have a question?
If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.
Buying your dream home starts with the right home loan
When making a purchase as big as a house, you can be confident RCU will help you find a home loan that's just right for your needs.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Rates
Purchase rates
Refinance rates
Looking for additional mortgage rates? Our team is here to help. Contact us to learn about all our home loan options.
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Rates are effective December 21, 2024 and are subject to change without notice.
1Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for above products owner-occupied is 95%, and for investment properties it is 80%.
Rates shown above are based on the following scenario: single unit property, primary residence, non-manufactured, 60% CLTV, and 760+ credit. Rates can vary based on loan scenario. RCU mortgages are available for CA properties only. ARM rates are subject to periodic adjustments after loan closing, per the terms of the note.
Payment examples provided do not include taxes or insurance, actual amounts may be greater.
Non-Closing cost product requires a minimum balance of $200,000, and includes a potential savings of $2,600 in closing costs.
Contact Us
Schedule an appointment
Meet with a mortgage specialist to choose what’s right for your needs.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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