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Low Fixed Rate Home Loans

There's still time to get a low rate mortgage.

Let us help you purchase a new home or refinance today.

7-year fixed rates as low as 5.287% APR†. 15-year fixed rates as low as 5.777% APR†. 30-year fixed rates as low as 6.343% APR†.

Additional rates and terms available.

At 1st Nor Cal Credit Union, we understand the impact your home loan decisions can have on your family and your livelihood. Simply put, the quality of your mortgage is important, which is why we offer some of the lowest APR home loans in the area. Our mortgages also feature super-low closing costs and we’ll take time to review these dramatic savings with you during the application process. Fixed-rate loans allow you to keep more of what you’ve earned, and use saved funds to enhance your home and lifestyle in your own unique way. Applying is quick and simple using our easy-to-navigate online application portal. Not yet a member of 1st Nor Cal Credit Union? Apply to join today, you can do that online also! With a simple application process and professional customer service options, your low, fixed-rate home loan is closer than you think.

†Persons who live, regularly work, currently attend school, or currently worship in Contra Costa, Solano, or Alameda counties, as well as any and all businesses, corporations, and other legal entities in those counties are eligible for membership.  †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 examples: For a 7 year, $350,000 conforming mortgage and a fixed rate of 4.990% (5.287% APR), approximate payment amount is $4,945.23. For a 15 year, $350,000 conforming mortgage and a fixed rate of 5.625% (5.777% APR), approximate payment amount is $2,883.07. For a 30 year, $350,000 conforming mortgage and a fixed rate of 6.250% (6.343% APR), approximate payment amount is $2,155.02. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488