Buy a Home2
There’s more to buying a house than just finding a great rate. Kinecta is your home buying partner every step of the way from pre-qualification through closing. We also help you protect it after it’s yours.
BUY A HOME
Whether you're looking to purchase a home or refinance an existing loan, our experienced mortgage loan consultants are here to help you navigate the process and find the right loan for your needs. Be sure to ask about Kinecta's Relationship Pricing1 program, which can save you money on your first mortgage based on your relationship with us.
Today's Rates
See how you can qualify for additional savings on your mortgage with Relationship Pricing.
Special Programs
Home Buyer and Seller Services
Find the right real estate agent to buy or sell your home and earn cash rewards with HomeAdvantage4!
It’s a free service for Kinecta members.
Home Insurance5
Your home is probably your biggest single investment. Make sure it’s protected from natural disasters, accidents, and even normal wear and tear.
- Single family home, condo, or townhouse
- Second home or investment property
- Earthquake and flood
- Home warranty
*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs more than 80% typically require mortgage insurance which will increase both your APR and monthly payment.
1Relationship Pricing applies to first mortgages only and discounts and credits are not applicable on Home Equity Loans and/or Lines of Credit. Visit Relationship Pricing page for full terms and conditions.
2Mortgage loans and Home Equity Lines of Credit. Subject to credit approval. Rates, loan amounts and terms are based on standard underwriting factors and are subject to change. Income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product, your credit history, income, property value, occupancy, property type, loan amount and loan purpose. Mortgage loans from Kinecta Federal Credit Union may not be available in all states.
3Home Equity Lines of Credit. Loan together with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner-occupied properties are not eligible. Loan amounts from $250,000 to $500,000 require a full appraisal paid by the member. Appraisal fees may vary and typically range between $550-$900 plus additional charges if applicable. Consult your tax advisor regarding deductibility of interest and charges.
4HomeAdvantage. Program made available to you through a relationship between Kinecta Federal Credit Union and CU Realty Services. Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent within the HomeAdvantage network.
5Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.