Ready to embrace homeownership?
RCU is here to answer your questions so you can make the best decision for you.
From renting to homeownership
If you’re tired of apartment restrictions and increasing rent prices, you’re not alone. Many people across the country are making the transition from renters to homeowners. But like any big decision, homebuying comes with its own considerations, such as housing prices and mortgage rates. Our dedicated team lives in your community and is here to help you determine if homeownership is the right fit for you.
Things to love about homeownership
Build equity
Equity is the current market value of your home, minus what you owe.
Enjoy flexibility
Whether you want to renovate or redesign, you can make your home your own without needing to worry about a landlord.
Turn over a profit
Down the line if you sell your home, your equity and upgrades can help you earn a profit.
Getting Preapproved
Getting preapproved can help you understand your mortgage options and show agents and sellers you are a serious buyer.
Here’s what you need to get into your next home
Explore your options
Want to buy a home but unsure if you can afford one? Let us go through the numbers with you. No purchase or obligation necessary. Simply fill out the form below or give us a call at 1 (800) 609-9009 and a team member will be in touch!
Purchase Rates
Looking for additional mortgage rates? Our team is here to help. Contact us to learn about all our home loan options.
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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.
Rates are effective December 11, 2024 and are subject to change without notice.
Payment examples provided do not include taxes or insurance, actual amounts may be greater.
Non-Closing cost product requires a minimum balance of $200,000 and includes a potential savings of $2,600 in closing costs.
Contact Us
Schedule an appointment
Meet with a mortgage specialist to choose what’s right for your needs.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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