LOANS FOR ALL HOMEBUYING NEEDS.

Secure the home you want with the best loan for your real estate purchase.

Apply Now

The Right Home Loan for You


Whether you're buying your first home, upgrading to your dream home, relocating, or purchasing an investment property, Golden 1 Home Loans™ has a loan to help you achieve your goal. We offer competitive interest rates, fixed and adjustable-rate loans, low down payment options, and jumbo loans for purchasing higher value properties. Get expert advice and personalized guidance from our Home Loan Advisors – right here in the Golden state.

ON MY WAY HOMEOWNERSHIP PROGRAM FOR FIRST-TIME HOMEBUYERS*

Helping members make the move from renters to homeowners can help build wealth and create strong, vibrant communities. The On My Way Homeownership Program is a suite of homebuyer assistance programs designed to help you get On Your Way to owning your first home. See our Programs.

*To be considered a first-time buyer means you did not have ownership interest in a residential property in the last three years.

Adjustable Rate Mortgage (ARM)

ARMs are fixed rate for an initial period and then adjust after that. A great choice if you plan on selling or refinancing your home in a few years.

  • Low down payment options - with as little as 3% down
  • Rate is typically lower than a fixed rate mortgage
  • 5 year, 7 year, and 10 year term options available

Fixed Rate Loan    


Never worry about rising interest rates with a fixed rate mortgage. Plus, plan your budget with a monthly payment that stays the same throughout the term of your loan. 

  • Low down payment options - with as little as 3% down
  • Competitive rates
  • Various terms available

Jumbo Loan


Let us help make your dreams come true with a jumbo loan! We have options to fit your unique needs. 

  • Up to $4 million
  • Fixed and adjustable rates
  • Owner-occupied purchases and second-home purchases

Calculators

Get started with a home loan advisor today

Home Loan Advisor Directory

Get the Home Buyer Advantage!


You can potentially save thousands of dollars on closing costs with our exclusive Buyer Advantage Program. When you purchase or list your home through a Golden 1 Credit Union Preferred Real Estate Agent, you'll receive up to 25% of your real estate agent's commission credited towards your closing costs.

father and son enjoying their backyard
zf-beacon