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7-Year Fixed Rate Mortgage

Fixed. Fast. Fabulous. 7-Year FIXED Rate Mortgage. Rates as low as 3.990% (4.283% APR*)

Our lowest rate combined with our everyday low fees make this a super smart choice!

Our 7-year fixed rate mortgage has some notable benefits that might make it the perfect choice for your new home purchase or refinance. Because of the shorter term, we are able to offer a significantly lower rate which will save you loads of money in the long run. Plus, it’s fixed, so you can rest assured knowing you have locked in a great low rate for the duration of your loan term. All 1st Nor Cal mortgages feature low fees, in fact some of the lowest in the Bay Area. You also won’t pay excessive origination fees, our “People Helping People” philosophy will be evident when you compare our super low origination fees to our competitors.

  • Low Fixed Rates
  • Low Fees
  • Super Low Origination Fees
  • A Low Rate & Shorter Term Helps You Pay Off Your Home Sooner
  • Quick & Easy Online Application
  • Local Decision Making

If you are getting close to paying off your existing mortgage and would like to accelerate the process to meet your life goal of owning your home free-and-clear, our 7-year fixed rate mortgage might really make sense for you.

View our current rates, apply online, or give us a call at 925-335-3870.

Applying online is simple and only takes a few minutes. We look forward to serving you!

*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 7 year, $350,000 conforming mortgage and a fixed rate of 3.990%, approximate payment amount is $4,782.49. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488