At 1st Nor Cal® Credit Union, we understand that buying a home is one of life’s biggest decisions, and we’re here to support you every step of the way with our expert home financing solutions. Whether you’re a first-time homebuyer or looking to refinance, our flexible home loan options are tailored to meet your unique needs and financial situation. We’re dedicated to turning your homeownership dreams into reality with personalized service and competitive rates.
We operate a full-service Mortgage Loan Department and our home loan rates are among the most competitive in the San Francisco Bay area. Our mortgage professionals will help you choose the home mortgage loan solution that best meets your needs and guide you through the application process.
Home Loan Options
Mortgage Loans
Explore our customizable mortgage loans and take the first step towards owning your dream home. Apply for a home loan and start your home-buying journey today!
Mortgage Refinancing
Unlock the potential savings and benefits of home refinancing with our expert solutions. Apply for refinancing to lower your interest rate and take control of your mortgage!
Home Equity Loans
Tap into the value of your home with our flexible home equity loan options. Apply for a home equity loan and get the most out of your hard-earned equity!
Home Loan Rates
Our home loan rates are among the most competitive in the region. Explore our home loan rates designed to fit your budget and help you achieve your homeownership goals!
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You must be a current member or become a member of 1st Nor Cal Credit Union to obtain 1st Nor Cal financing. Click here to learn about our membership requirements.
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Mortgage Department Hours:
Monday – Wednesday | 9:00am – 4:00pm
Thursday – Friday | 9:00am – 5:00pm
Call (925) 335-3870
NMLS # 580488
APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR. The interest rates and Annual Percentage Rates (APRs) shown are subject to change without notice. All mortgage loans through 1st Nor Cal Credit Union are for primary residence homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Payment example: For a 30 year, $350,000 conforming mortgage and a fixed rate of 5.500% (5.612% APR), approximate payment amount is $1,987.26. The monthly payment only includes principal and interest, as 1st Nor Cal CU does not offer impound accounts.