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Making Homeownership Simple

Buying? Refinancing? We can help.
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    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

    First Time Homebuyer

    • We’ll review your finances and help you prepare to get pre-qualified for a mortgage
    • We'll help you navigate the offer process and update you on your loan’s status through closing.
    • Enjoy down payments as low as 3% (through Fannie Mae) or 3.5% through a Federal Housing Authority (FHA) 
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    VA and FHA Loans

    • Active and retired military qualify for special benefits through Veterans Administration (VA) purchase loans
    • You may qualify for any of the affordable mortgages offered through the FHA – ask us today!
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    More Loan Options

    • High balance/jumbo purchase and refinance options with as little as 3% down
    • Construction-to-Permanent loan with an upfront rate lock and a single appraisal
    • Financing also available for second homes and non-owner-occupied investment properties
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    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.

    Learn More

    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
    Home Insurance

    *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. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change.

    3Equity loans and lines of credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change.

    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.