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Mortgage Loans

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Home purchase

Featured Rates – Purchase or Refinance

See all rates
10 Year Fixed
(Conforming) As low as
6.500 APR
30 Year Fixed
(Conforming) As low as
7.397 APR
10/10/10 ARM
As low as
6.779 APR

Financing the Place You’ll Call Home

Buying a home is a big step. First U.S. can help you understand your financing options, prepare before you make an offer, and move through the home-buying process with guidance along the way.

No Fee Loan

Know Your Buying Power

Get prequalified at no cost to better understand what you can afford.

House

Choose From Multiple Loan Features

Choose from fixed-rate, adjustable-rate, and jumbo mortgages, with fixed-rate terms up to 30 years.

90 Day Calendar

Lock Your Rate While You Shop

Eligible purchase loans may include a rate lock and one-time float-down if rates decrease. ¹

Multiple Properties

Finance More Than a Primary Home

Financing is available for eligible primary residences, vacation homes, and investment properties.

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No-Fee Home Loan

Buy a Home. Leave the Closing Cost to us. Covering up to $12,000 toward eligible closing costs on qualifying purchase loans3.

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Compare Your Loan Options

Designed for eligible first-time buyers, with a minimum 5% down payment, no PMI, gift funds allowed, and possible down payment assistance through available grant programs. Primary residences only.

Keep your principal and interest payments consistent throughout the term of the loan. Available terms include 10, 15, and 30 years, with Lock & Shop available for purchase transactions.¹

For loan amounts above California’s conforming loan limit. Jumbo loans are available up to $3 million and may be used for primary residences, second homes, and investment properties.

An ARM may offer a lower initial rate and payment than a fixed-rate mortgage, with the rate adjusting later based on the loan terms. First U.S. offers several ARM structures, with loans available up to $3 million.

Check Our Rates

See all rates

Fixed Rate Conforming Home Loans ($50,000 to $832,750)

Terms

Rates

Points

APR*

Payments

Payment

*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.29 per $1,000 borrowed. Max loan amount is $832,750. Taxes and insurance are not included in the payment example; your payment may be greater.

Terms

30 Year Fixed

Rates

7.000%

Points

0

APR*

7.143%

Payments

360

Payment

$1,364.35

Terms

20 Year Fixed

Rates

6.625%

Points

0

APR*

6.805%

Payments

240 

Payment

$1,550.60

Terms

15 Year Fixed

Rates

6.500%

Points

0

APR*

6.722%

Payments

180

Payment

$1,769.82

Terms

10 Year Fixed 

Rates

 6.375%

Points

0

APR*

 6.685%

Payments

120

Payment

$2,270.96

 

Fixed Rate Jumbo Home Loans ($832,751 and Over)

terms

rate

points

APR*

payments

paymnet

*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.35 per $1,000 borrowed. Taxes and insurance are not included in the payment example; your payment may be greater.

terms

30 Year Fixed

rate

7.125%

points

0

APR*

 7.321%

payments

360

paymnet

$7,674.48

terms

 20 Year Fixed

rate

6.875%

points

0

APR*

7.089%

payments

240

paymnet

$8,722.11

terms

 15-Year Fixed

rate

6.750%

points

0

APR*

6.858%

payments

180

paymnet

$9,955.23

terms

10 Year Fixed

rate

6.500% 

points

0

APR*

6.647%

payments

120

paymnet

$12,774.15

 

ARM* Rate Conforming Home Loans ($50,000 to $832,750)

term

rate

points

APRs1

payments

1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Max loan amount is $832,750.
*(ARM – Adjustable Rate Mortgage)
15/15 ARM is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed.
10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed.
5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.

term

15/15 ARM

rate

7.000%

points

0

APRs1

6.829%

payments

360

term

10/10/10 ARM

rate

6.875%

points

0

APRs1

6.779%

payments

360

term

 5/5 ARM

rate

5.990%

points

0

APRs1

6.224%

payments

360

 

ARM* Rate Jumbo Home Loans ($832,751 and Over)

term

rate

points

apr1

payments

1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only.
*ARM – Adjustable Rate Mortgage
15/15 ARM is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed.
10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed.
5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.

term

15/15 ARM

rate

7.000%

points

0

apr1

6.738%

payments

360

term

10/10/10 ARM

rate

 6.875%

points

0

apr1

6.466%

payments

360

term

5/5 ARM

rate

5.990%

points

0

apr1

6.131%

payments

360

Mortgage calculators

… We were completely and totally satisfied with the Real Estate service we got from Chris Tatton.. The only suggestion we could think of was to clone Chris….

Charles M.

Meet Your Real Estate Loan Specialists!

Our experienced real estate loan specialists are here to guide you through every step of the financing process. With personalized solutions and trusted expertise, we help make your real estate goals a reality.

Oliveros_David

David Oliveros

Senior Home Loan Advisor

Serving Sacramento & Rancho Cordova
doliveros@firstus.org
916-576-5672
NMLS # 1175725
Make an Appointment

Apply Now
tatton_christopher

Christopher Tatton

Senior Home Loan Advisor

Serving Rocklin, Auburn & Grass Valley
ctatton@firstus.org
916-576-5664
NMLS # 1089578
Make an Appointment

Apply Now

Purchase a Home FAQ

A great first step is to speak with one of our Home Loan Advisors. We’ll discuss your homeownership goals, review your financial situation, explain your financing options, and help you determine what you may be able to afford. Getting prequalified before you begin shopping can also give you a better idea of the price range that fits your budget.

The amount you may be able to afford depends on several factors, including your income, monthly debts, credit history, available funds for a down payment and closing costs, interest rates, property taxes, homeowners insurance, and applicable homeowners association (HOA) dues. We can help you evaluate the overall monthly housing payment—not just the purchase price—to determine a comfortable price range. Check out our mortgage calculation tool!

Buying your first home is an exciting milestone, and you don’t have to navigate it alone. There may be loan programs and down payment assistance options designed to help eligible first-time homebuyers.

We can walk you through the entire process, explain mortgage terminology, help you understand your potential monthly payment and upfront costs, and review programs that may be available to you.

Yes. In fact, getting prequalified before you begin shopping can help you understand your potential buying power and make your home search more focused.

See All Purchase a home FAQs

Let’s keep going.

Home Equity Loans (HELOC)

Use the equity in your home to help fund renovations, large expenses, or other financial goals.

Learn more

Eco Home Renovation Loans

Finance eligible upgrades that can improve your home’s efficiency, comfort, and long-term value.

Learn more
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Disclosures

1The Lock & Shop Program is available on home purchase loans only and will lock your initial interest rate for up to 45 days. Borrower must supply the fully executed purchase and sales contract within 45 days of participating in the Program and must close escrow within the 90-day period. Locks may be transferred between properties. Includes a one-time float down of the rate once a property is in contract.

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