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Mortgage Loan

Make your home more comfortable with the right home loan

Your home is likely the biggest purchase you'll make. Buy with confidence when you have the right mortgage loan. 


Savor the excitement of getting the financing you need to buy the house you and your family can call home.

Fixed Mortgages

As low as  APR

Adjustable Rate Mortgages

As low as  APR


Low interest rates

Receive low rates on fixed and variable loans in order to help you save money on the biggest purchase you will make: your home.

Options for your unique needs

Choose from a variety of fixed and adjustable rate loan options to meet your budget.

No closing cost option

Many lenders advertise low rates, but don't tell you how expensive closing costs can be. Save money when completing your mortgage needs with our no closing cost option.

RCU Insurance Services2

Getting home insurance through RCU Insurance Services saves you time and effort. With helpful and friendly team members, you can view a complete selection of coverage options.

And more ...


30-Year Fixed

Enjoy fixed monthly payments and fixed interest rates for the lifetime of the loan, making home payments easier to incorporate into your budget.

15-Year Fixed

For those who enjoy the fixed payments and rates of a 30-year mortgage loan, but want to pay off their loan in half the time.

5/5 ARM - No Closing Cost3

With this adjustable rate mortgage (ARM), you'll pay a fixed interest rate for the first 5 years of the loan, then the rate will adjust every five years afterward. With no closing costs, this option can make the initial cost of a home more affordable.

5/1 ARM

Receive a consistent interest rate for the first five years of the loan, then the rate adjusts annually thereafter.

7/1 ARM

Get a fixed interest rate for the first seven years, then one annual rate adjustment each year for the remaining life of the loan.

Estimate your monthly payment

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Loan Amount
Fixed Rate
Term Years
Advanced Options

More Calculators

Explore these calculators to evaluate your purchase and refinancing options.

Why Raina recommends getting a mortgage from RCU

Home Buying Resources

We understand the process of buying a home can be daunting, so let us help you make it easier with the help of these resources.

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.

Home Buying Guide e-Book

Home Loan Basics

We want to empower you with the knowledge you need to get a home loan, so we have provided a list of helpful resources.

Explore Resources

Real Estate Resources

Whether you want to find the value of your home or whether you need to find a real estate agent, our real estate resources can help you meet your goals.

Explore Resources

How to get a mortgage loan

Your journey to home ownership starts with these steps.

  • 1

    Apply online

    Complete an application to begin the loan process.

  • 2

    Work with your loan officer

    Your loan officer will guide you through the mortgage process.

  • 3

    Use your mortgage loan

    Get approved and use the loan funds to purchase your new home.

Apply for a Mortgage Loan

Why Choose RCU?

At RCU, we're passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

  • ChatCallsEmails_icon8

    That's how many chats, emails, and calls were served by our local Member Service Center in 2020.

  • forbes-largest3

    Best in State Credit Union by Forbes Magazine

Looking for a reverse mortgage?

Our partners at Alliance Mortgage can help.

Learn More

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

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.

  • 1Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for rates listed above is 95%. Maximum CLTV for investment (non-owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgages are available only CA properties only. ARM rates are subject to periodic adjustments after loan closing, per the terms of the note.

    2Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member’s choice. RCU Insurance Services is a wholly-owned subsidiary of Redwood Credit Union. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054. NPN no. 7612227.

    3 Non-closing cost product requires a minimum balance of $200,000 and includes a potential savings of $2,600 in closing costs.

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