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Buy a Home

Buying your dream home starts with the right mortgage

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


Best Mortgage Lender in Sonoma County

At Redwood Credit Union, we believe in turning your homeownership dreams into reality. Our mortgage experts love helping you succeed, and we are excited to share that we've been voted the Best Mortgage Lender in Sonoma County by the Press Democrat’s 2023 Reader’s Choice Awards.


Get the financing you need to buy your dream home with low rates and local service.

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 option2

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 ...

The power of getting preapproved

Learn the benefits of getting preapproved to show the seller you're serious and get more negotiating power.

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

Tenants In Common (TIC) Loans

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

View TIC Loans

Construction Loans

RCU also offers loans for those looking to start their home process by buying a lot and building a home, building an ADU, or other home construction needs.

View Construction Loans

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 the Agee family chose an RCU mortgage.

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.

No matter what home sweet home means to you

RCU is here for all your loan needs. With thoughtful service and local decision making, our team can help you buy your next home.

  • 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 only CA properties only. ARM rates are subject to periodic adjustments after loan closing, per the terms of the note.

    2 Non-closing cost product requires a minimum balance of $200,000 and includes a potential savings of $2,600 in closing costs.

    3Insurance 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.