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Home Loans

Make your home more comfortable with the right home loan

Your home is likely the biggest purchase you'll make. Buy with confidence when you have the right mortgage loan.

Interest Rate

as low as


as low as


Competitive interest rates

Receive competitive rates on fixed and variable loans in order to help you save money on the biggest purchase you will make: your home.

Local service

Know you are receiving service from someone who is familiar with the local market. Enjoy personalized service and advice to help you find the home of your dreams.

No-closing-cost option

Closing costs can add an unexpected expense to the price of your new home. With our no-closing-cost option, we can help you get more buying power.

Quick closing times

We know that closing a loan quickly is important to having a competitive offer. We’re here to help so you can start enjoying your new life as a homeowner as soon as possible.

And more ...

Options for your unique needs

Choose from a variety of fixed and adjustable rate loan options to meet your budget.

What we offer


Whether it’s your first home or an investment property, our mortgage professionals are here to help you fund your next home loan.

View Purchase Options


Looking to refinance to a better mortgage? We can help you through the process, making your next home loan easy and personal.

View Refinance Options

Home Equity Lines

Use the equity in your home for a low-rate loan to help with home improvement, debt consolidation and more.

View Home Equity Lines

Construction Loans

RCU construction loans offer personalized options and competitive rates for new homes, ADUs, rebuilds and lot loans.

View Construction Loans

Tenants In Common (TIC) Loans

TIC agreements are an affordable way to achieve your home ownership dreams alongside your TIC partners.

View TIC Loans

Reverse Mortgages

We partner with Alliance Reverse Mortgage to allow you to borrow equity in your home while continuing to live there.

Visit Alliance Reverse Mortgage

Want to learn how to finance the building of an ADU on your property?

Our mortgage experts partnered with the Napa Sonoma ADU to put on a webinar that explains how to finance building your dream ADU.
Watch Now

Estimate your monthly payment

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Purchase Amount
Fixed Rate
Term Years
Advanced Options

Why choose RCU?

Our mortgages feature competitive rates to keep your payments low, and local service so you can speak with a real person when it matters. When it’s time to purchase, refinance, or build your home, we’ll be here, ready to help you find the right option and guide you through the process. Watch the video to find out why Raina chose an RCU mortgage for her family.

How to get a mortgage loan

Your journey to home ownership starts with these steps.

  • 1

    Apply online

    Complete an application to begin the loan process.

  • 2

    Work with your loan officer

    Your loan officer will guide you through the mortgage process.

  • 3

    Use your mortgage loan

    Get approved and use the loan funds to purchase your new home.

Apply for a Mortgage Loan

Have a question?

If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.

Buying your dream home starts with the right home loan

When making a purchase as big as a house, you can be confident RCU will help you find a home loan that's just right for your needs.

  • 1Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for rates listed above is 95%. Maximum CLTV for investment (non-owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgages are available on CA properties only. ARM rates are subject to periodic adjustments after loan closing, per the terms of the note.

    2Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member’s choice. RCU Insurance Services is a wholly-owned subsidiary of Redwood Credit Union. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054. NPN no. 7612227.

    3No-closing cost product requires a minimum balance of $200,000 and includes a potential savings of $2,600 in closing costs.

Are you ready for a great mortgage?

Chat now with one of our mortgage specialists!