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If you are looking for an out-of-the-box mortgage option, you've come to the right place. Want to acquire your first (or second or third) investment property? We can help. Looking to tackle major residential construction? We have a solution. Ready to purchase a vacation home? We’ve got you covered.
Be sure to ask your mortgage loan consultant about Kinecta's Relationship Pricing1 program to save money on your first mortgage based on your relationship with us.
High Balance/Jumbo Loans with Flexible Down Payment Options
It's a common misconception that high balance and jumbo loans require at least 20% down. Move into your dream home without the burden of a high down payment.
- Low down payment options for primary residences, based on loan amount
- 3% up to $1,000,000
- 5% up to $1,500,000
- 10% up to $2,000,000
- 15% up to $2,500,000
- Choose between a Fixed or Adjustable Rate Mortgage (ARM)
- Purchase and refinance options available
Construction to Permanent2
Building or renovating a home in an established neighborhood? Our Construction-to-Permanent loan covers construction while you’re building, then converts to a fully-amortized mortgage when completed. We offer an up-front rate lock and only require a single appraisal to save you money.
- Interest-only payments during the construction phase
- Loan amounts up to $5 million based on the home’s future appraised value
- Available for owner-occupied and second homes
- We apply a commonsense approach to underwriting
Non-Owner-Occupied Investment Property
Ready to take the plunge into investment properties or add to your current portfolio? Kinecta can help, with fixed rates at 80% combined loan-to-value (CLTV) or less. Contact us to discuss our competitively priced lending options.
Home Insurance3
Your home or investment property is a big 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.
2Construction to Permanent Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Full 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 and by State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Construction phase subject to time limitation - ask a Mortgage Loan Consultant for details. Mortgage loans from Kinecta Federal Credit Union may not be available in all areas.
3Insurance 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.