Our Funding Advisors are trained on, and have experience with, the best practices for mortgage finance. They are available to guide our members through every step of their home buying or refinancing process.
For questions, current rates or to apply for a real estate loan, call the Real Estate Department at (209) 549-8511, option 8 or toll free at (877) 549-4567 option 8.
Click here for current rates
Purchase and Refinance
Conventional Loans with 10 or 15 year terms
- Owner-occupied, rental properties, condos, and modular homes
- Modular Home must be on permanent foundation
- Non-Owner Occupied - financing up to 75% loan to value (.50 added to Owner-Occupied rate)
- Interest only options available on some products
Jumbo Loans with 10 or 15 year terms
NMLS ID 508819 NMLS ID 252939
- Loan amounts exceeding $417,000
- Owner-occupied and non-income producing second homes
- Up to 95% loan to value on owner-occupied