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San Diego Home Loans and Mortgages

Buying a home is probably the most important purchase you’ll make, so count on Mission Fed to give you the personalized attention you deserve.

Visit Mission Fed for Home Loans and Mortgage Loans in San Diego

—we’re happy to help.


  • Many loan options to suit your goals and budget
  • Fast, online application, with an answer in minutes
  • Or, apply by phone or in the branch and get pre-qualified
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Mission Fed First Mortgage Loans

Whether you’re buying or refinancing a home anywhere in California, we have loan options and will help you determine the right program for you—with no pre-payment penalties. We also service all of our Home Loans ourselves, right here in San Diego.

Avoid unnecessary fees and broker markups by financing with us—check out our fee schedule and see how we compare. Our loan experts can assist with your application, answer any questions you may have and help you understand the process.

Program Options

  • Competitive fixed and adjustable rates (ARMs)
  • FHA Financing and Low Down Payment Loans
  • Purchase loans
  • Refinance and cash out loans
  • Jumbo loan amounts up to $2.5 million
  • Various terms available
  • First-time homebuyer programs
  • Investment properties up to four units

Home Equity Loans and HELOCs

Enjoy access to funds for virtually any project: remodeling, upgrading for energy-efficiency, debt consolidation, or even tuition. Find out more about our Home Equity Loans and Home Equity Lines of Credit (HELOCs).

Special savings and service

If you’re buying or selling your home, we can help! Mission Fed has partnered with Prime Alliance Real Estate Services, LLC, to assist you with finding a Real Estate Agent and save you money with a rebate on your agent’s commission.

Multi-family properties and Commercial Real Estate

Mission Fed also offers loans for the purchase or refinance of Multi-family and Commercial Real Estate properties located in San Diego County. To learn more, go to our Commercial Real Estate page.

Be a FoolProof Consumer

Check out these tips and articles for ways to save money and manage your finances.

When the housing market went into free-fall we sought refinancing, like every other reasonable home owner with a mortgage. The BIG guys, who held our mortgage—to whom we had proven our dependability over many years--avoided us like the plague. MFCU not only treated us with courtesy, they also got us what remains one of the lowest rates available. -Richard M.

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A great service experience includes sharing the disclosure. In San Diego County, a mortgage is considered a Jumbo Loan if the loan amount is greater than $546,250. On a 7/1 adjustable rate mortgage of $600,000 with an Annual Percentage Rate of 3.095% and a 3.625% interest rate, as of 10/28/2013, you will make 84 monthly payments of $2,736.31 for the 7-year initial fixed term. Thereafter, your payment will adjust annually as your rate adjusts based on the 1 year LIBOR index (London Interbank Offered Rate 0.610% as of 10/28/2013) plus a 2.00% margin. Periodic rate caps are 2%, with a 5% lifetime cap and a 12-month adjustment period. Payments do not include amounts for taxes and insurance, including Private Mortgage Insurance, which is required for loans over 80% LTV. Your actual payment obligation will be higher. Loans are subject to credit approval. 10/13

FHA financing is available to qualified borrowers through CU Members Mortgage. Real Estate Brokerage Services provided by Prudential Realty. Offers subject to change without notice.