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Real Estate Loans

Home Purchase or Refinance

First U.S. makes a difference for our members with a full array of financing options, with low rates and low fees to help save you money when you purchase a new home or when you refinance your current home loan.

  • Fixed and adjustable options for primary residences, vacation homes and investment properties.
  • Long terms to help lower your payments, or to finance larger amounts.
  • Fixed-to-adjustable options for additional payment flexibility.

Our home loan specialists are experienced at helping you make the right loan choice for your individual situation. For personal service from start to finish, call (916) 576-5700 or (800) 556-6768.

Get the Best of Both Worlds...
15-Year Rates with Low, 30-Year Payments

Save with the lower rate of a 15-year term, and the lower payment of a 30-year loan. It’s our 15/15 ARM. You’ll save with rates as low as 6.427% APR – and will enjoy the stability of only one rate adjustment after the first 15 years.

Call us today for a free, no-hassle consultation with one of our Real Estate consultants. We can answer any questions you may have, and help you make the right choice for your home financing needs. Apply today.

APRs (Annual Percentage Rates), terms and offers accurate as of 06/15/2024 and subject to change without notice. APR is variable and based on 10-year CMT plus 1%. Maximum adjustment 6%; floor rate 1.00%. Owner-occupied, California properties only. Subject to availability. Certain restrictions apply. Payment example: 180 monthly payments of approximately $6.32 per $1,000 borrowed, followed by 180 payments of $5.74 per $1,000 borrowed (based on todays fully-indexed value). Taxes and insurance are not included in the payment example; your actual payment will be higher. Rates higher for amounts greater than $766,550.

Home Equity Loans & Lines of Credit

Depending on your situation, tapping into the equity in your home may be the way to finance that home improvement project, debt consolidation and more. Just one of the ways that we make a difference is that our Real Estate professionals can help you assess your options – with no pressure or sales push. We’ll help you find the right financing option for your needs and your budget.

Home Equity Loans

Low, fixed rates and the comfort of set payments every month are just some of the many benefits of financing with a home equity loan. With terms from 5 to 20 years, and the flexibility of financing up to 80% CLTV, you’ll see the difference in your budget every month.

Home Equity Lines of Credit

Versatile and flexible, a First U.S. Home Equity Line of Credit can help you fund a variety of needs. Use the funds for anything, like home improvement projects, taxes, debt consolidation, education expenses and more.

With no annual fees, rates as low as 5.99% APR* for 6 months, then 8.50% (Prime + 0%) , and our generous 20-year draw and repayment period, you’ll experience the difference of a First U.S. Home Equity Line of Credit.

*APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 8.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $7.17 for each $1,000 borrowed, followed by 234 monthly payments of $8.67 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result.

Reverse Mortgages

If you're a California homeowner age 62 or over, you can eliminate your mortgage payments and generate tax-free income using the equity in your home with a reverse mortgage.

  • No payments are due on the loan as long as you occupy the home as your primary residence, and you can stay in your home as long as you choose.
  • Generate extra income for living expenses, medical bills, home repairs, travel or more.
  • And best of all, we make a difference for you by offering sound advice without the sales goals or pressure you might experience elsewhere. If a reverse mortgage isn’t right for you, you can trust that we’ll let you know.

For more information, talk to one of our Real Estate professionals by calling (800) 556-6768. We’re happy to help you personally through the entire process.