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The right loan, right at your doorstep.

Whether you are buying your first home, trading up into your dream home, purchasing an investment property, or refinancing, Golden 1 Home Loans has the right loan option to help you achieve your goal. We offer low rates, low closing costs, and the personalized services you need to easily finance your dream home.

Today's Featured Rates

5-Year Treasury ARM Conforming Purchase

2.500% / 2.815% APR
Discount Points: 0.875

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

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5-Year Treasury ARM Conforming Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the One Year Treasury Rate, with a margin of 2.750%, as published in the Wall Street Journal. The initial interest rate will not change during the first 60 months, and will adjust annually after the 60 month period ends. At a 2.500% initial interest rate, the APR for this loan type is 2.815%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

  • 60 payments of $1185.36 at an interest rate of 2.500%
  • 299 payments of $1244.68 at an interest rate of 2.880%
  • 1 payments of $1232.93 at an interest rate of 2.880%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

30-Year Fixed Conforming Purchase

3.000% / 3.110% APR
Discount Points: 0.875

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

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30-Year Fixed Conforming Purchase

At a 3.000% interest rate, the APR for this loan type is 3.110%. The payment schedule would be:

  • 359 payments of $1264.81 at an interest rate of 3.000%
  • 1 payments of $1261.66 at an interest rate of 3.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

30-Year Fixed Jumbo Purchase

2.875% / 2.953% APR
Discount Points: 1.000

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $800,000 and an estimated property value of $1,000,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

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30-Year Fixed Jumbo Purchase

At a 2.875% interest rate, the APR for this loan type is 2.953%. The payment schedule would be:

  • 359 payments of $3319.14 at an interest rate of 2.875%
  • 1 payments of $3311.21 at an interest rate of 2.875%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

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
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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
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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
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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 Realtor, you'll receive up to 25% of your realtor's commission credited towards your closing costs.

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