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You may qualify for $100 off your closing costs!*



Our low-rate mortgages are designed to suit your needs, whether you’re a first-time home buyer, you're on the hunt for a new home, or you want to refinance your existing mortgage for a better rate.

Personalized service

Our real estate lending experts stay by your side from the beginning to the end of your real estate journey. You can count on the personalized service you need to provide a smooth, easy experience.

Mortgage options to fit your lifestyle

Fixed-Rate Mortgages: With a fixed-rate mortgage from CAFCU, your interest rate won't change over the life of your mortgage, meaning your principal and interest payments will remain constant. If interest rates rise, you won't be affected.

Mortgage Refinancing: Refinancing a mortgage from another financial institution can possibly lower your monthly payments, allowing you to pay off your loan faster. Many people refinance to convert an adjustable-rate mortgage to a fixed-rate loan. When you refinance, you also have the option to use the equity in your home to consolidate debt or pay for education, vacations, home improvements, and much more.

First Time Home Buyer Mortgages:   Are you looking to buy your first home?  This program is designed to make homeownership more affordable for borrowers getting their first mortgage.  With lower down payment requirements, mortgage insurance premiums and associated fees, this program can help you get into your first home without breaking the bank.

Fresh Start Mortgages:  If a less-than-perfect credit score is blocking you from the dream of homeownership, our Fresh Start Mortgage can help. This loan is designed to help CAFCU members with credit challenges get the financing they need for a home purchase. CAFCU's Fresh Start Mortgage can also be used to refinance a high-rate mortgage at a lower rate with our affordable alternative financing options.

Not sure which mortgage option makes the most sense for you? Contact our Real Estate lending experts at 1-800-359-1939, option 2 .

*$100 off closing cost discount is valid when you apply online and close on a First Mortgage. Discounts and offer are subject to change and cannot be combined with other offers.

Mortgage FAQ

If you are thinking about getting a mortgage with CAFCU...

Why should I consider getting pre-approved before buying a home?

What are your current mortgage rates?

How are mortgage interest rates determined?

Can I be notified when mortgage/refinance rates are updated?

How do I apply for a mortgage?

Do I have to be a CAFCU member to apply for a real estate loan?

How long does the loan process take once the application has been completed?

Do you have any deals for first-time homebuyers?

What is the minimum down payment you require for a mortgage loan?

What are the closing costs for my mortgage?

Do you offer escrows?

What is a mortgagee clause and what is CAFCU's?

Do you offer investment property financing?

Do you offer VA or FHA financing?

Do you offer vacant land financing?

Do you offer construction loan financing?

Will you keep my mortgage in-house or will it be sold to another lender?

If you currently have a mortgage with CAFCU...

How are my property taxes paid?

When will you send my 1098 tax form?

How can I request a payoff letter?

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