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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.

FAQ 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
  • Fixed and adjustable rates
  • 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

  • Loan amounts exceeding $417,000
  • Owner-occupied and non-income producing second homes
  • Fixed and adjustable rates
  • Up to 95% loan to value on owner-occupied

NMLS ID 508819     NMLS ID 252939