Real Estate Loans

Whether you’re looking for a new home, trying to refinance, or thinking of a remodeling project, rest assured that we offer a variety of home lending options to finance your home goals.

The Experts on the Chaffey FCU Real Estate team are dedicated to helping you find the perfect home for you or your family, all while locking in affordable rates and superior service. Not sure where to start? Submit an inquiry from and a representative will be in touch soon to answer your questions.

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First Mortgages

30-YEAR FIXED RATE MORTGAGE: Starting at 6.50% Interest Rate / 6.58% APR*

Advertised Rate quoted as of December 4, 2025, 7:20am

First-time buyers welcome! We offer competitive rates for purchases and refinances. Our popular 15-year Fixed Low Rate Mortgage may be just what you need! Begin your home journey with the Chaffey FCU Home Lending experts – Inquire here to learn current rates or get started.

Learn more – First Mortgage
  • Competitive rates and fees
  • Loan terms up to 30 years
  • Easy application process
  • Low down payment options available
  • No pre-payment penalty
  • First Trust Deed Loans too!

Manufactured Homes

Take advantage of affordability with a Manufactured Home. Avoid increasing rent payments and benefit from speed and customization of your new home. Get started by reaching out to our Real Estate Team here.

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Learn more – Manufactured Homes
  • Competitive rates
  • Payments amortized over 240 months
  • 25% down payment required
  • Avoid increasing rent payments
  • 16 approved parks within 50 miles of Chaffey FCU
  • Track and manage your account through Online Banking
Pre-Approval List – Manufactured Homes
  • Completed loan application
  • Fully executed and accepted purchase contract along with all counter offers
  • Most current 30 days consecutive pay stubs
  • W2’s of 1099’s (for the 2 most recent years)
  • If self-employed, last 2 years complete signed federal tax returns
  • Social Security award letter/pension of annuity statements if applicable
  • Verification of funds for down payments. Must be own funds
  • Most current 2 months bank statements (all pages)
  • Two forms of government issued ID and a copy of the social security card
  • Park approval (prior to funding)
  • Contact information for insurance agent who will be insuring the unit (prior to funding)

Home Equity Line of Credit

Rates from 7.00% APR**

Your home is valuable – use its’ equity to your advantage! HELOCs are a cost-effective way for you to fund big projects. With credit lines up to $250,000, you can fund big items such as college costs, home improvement projects, or debt consolidation. Apply today or send a message to our team to take the first step.

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Learn more – HELOCs
  • Credit lines up to $250,000
  • Repayment terms up to 20 years
  • Low variable rate
  • No annual fee
  • Minimal closing costs
  • Checks available as needed to pay expenses (up to your credit line)
  • Track and manage your account through Online Banking
  • Consider refinancing your existing HELOC from another lender to help lower your payments.

Second Mortgage

As you work to pay off your home, you build your homes’ equity. Second Mortgages allow you to borrow against the equity in your home to fund large projects at competitive rates. Pay off debt, cover educational expenses, or get a head start on renovations. Apply today or send a message to our team to take the first step.

Learn more – Second Mortgage
  • Fixed rate and fixed terms
  • Loans up to $250,000
  • Minimal closing costs

Chaffey FCU loans contingent on Membership status. If application is approved, a Membership will need to be opened before loan is funded. Field of Membership requirements apply; all Membership details at chaffey.com/membership.

FIRST MORTGAGES
*APR: Annual Percentage Rate. Rates shown are our best rate on a fixed-rate 30-year mortgage; other rates and terms available. Rate quoted as of December 4, 2025, 7:20am, and is subject to change at any time without notice. Estimated payment per $1,000 is $6.38/month for 360 months. Chaffey FCU rate-lock period is 45 days.
Other programs available. Mortgage subject to credit and income verification. Loan pricing based on factors such as credit score, credit history, and Loan-to-Value of home. Minimum downpayment on a Chaffey FCU mortgage is 3%. Chaffey FCU Mortgage loans available for single-family homes in California. For a personalized rate quote, please contact Chaffey FCU at (833) 282 – 1033 or submit an inquiry at chaffey.com/home-loans. Chaffey FCU is an Equal Housing Lender. Federally insured by the NCUA.

HELOCS
**APR: Annual Percentage Rate. Advertised rate quoted as of 10/31/25 and is a variable rate that is subject to change based on Prime Rate + Margin. Estimated payment is $7.72 per month for every $1,000 borrowed at 7.00% APR. Other rates available. Loan pricing based on factors such as credit and loan to value of property. Current rates available at chaffey.com/rates-1. Rates and terms subject to change without notice. Minimum advance of $5,000 required at inception. Finance charges start the date of your first advance. Other fees and restrictions apply. HELOC available on owner occupied, primary residences properties located in California; excludes manufactured homes. Loan subject to credit approval. Property insurance is required. Please consult your tax advisor to determine tax deduction eligibility. Federally insured by the NCUA.

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