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Mortgages & Home Equity Loans

Mortgages
Home Equity Loans

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Financial Calculators – our online calculators can help you approximate mortgage or home equity loan payments, refinancing options and much more.

Mortgages
We offer a wide range of first mortgages at competitive rates, with many attractive features and prepayment privileges through our mortgage service provider, Members Loan Services. By taking the time to understand your individual requirements, our team will help you obtain the right mortgage for your personal needs.

To talk to a Mortgage Specialist, call (858) 217-2470 or toll-free at (888) 567-6989, email Members Loan Services or choose any of the following topics from their Web site:

Loan Programs
FAQs
Home Purchases
Market Update
Rate Quote
Target A Rate
Apply Online
Mortgage Calculators


Home Equity Loans
If you need cash, why not look to the very place that makes you feel most secure and comfortable – your home! Since you've been making your mortgage payments faithfully over the years, your home has become one of your greatest assets...and one of your best resources for financing when you need cash. Home equity loans are a smart way to borrow because the interest you pay is usually tax-deductible! (Check with your tax-advisor.)

So, go ahead. Add a new deck and pool, fix that leaky roof, consolidate your high-interest credit cards into one low-cost bill, and much more. The following equity loans are available for California properties only:

Home Equity Line Of Credit
Fixed Rate Home Equity Loans (1st or 2nd Trust Deed)
Auto Equity Loan


Home Equity Line Of Credit – Our Home Equity Line of Credit provides access to your credit line any time. The distinct advantage of this loan is that interest is paid only on the money you use.

Borrow up to $250,000. We lend up to 80% of your home's value (owner-occupied property). We have a great rate, only Prime - 1% APR! Enjoy the added convenience of check access to your line of credit.

Fixed Rate Home Equity Loans (1st or 2nd Trust Deed) – Our Fixed Rate Home Equity Loans are perfect for bill consolidation, college tuition, or other large expenditures. Borrow from $10,000 to $250,000. We will lend up to 80% of your home's value (for owner occupied property) and up to 75% loan-to-value for non-owner occupied property.

Terms up to 15-years are available for owner-occupied property, up to 12-years for non-owner occupied property. Check out our low rates and then use our loan calculator to approximate your monthly payments.

Auto Equity Loan – Finance your vehicle loan with our Auto Equity Loan and the interest you pay may be deductible, helping you drive down your taxes. Check with your tax advisor. You could save hundreds of dollars. For example, homeowners in a 28% tax bracket could save over $900 (calculation based on a $15,000 loan over a 5 year term at 8%APR).

With terms up to 84 months, borrow from $10,000 to $80,000. Our Auto Equity Loan rates are the same low rates found on our traditional auto loans. All it takes to qualify is good credit, a $150 Document Preparation Fee, and comprehensive and collision insurance with a $500 deductible allowance.

Find the car of your dreams. Surf our Auto Buying Services & Deals. Check out our low rates, and then use our loan calculator to approximate your monthly payments.

Interested? Email or call our Information Center at (858) 487-1880 for a real estate loan application.