Mission Fed Mortgages & Home Loans
Visit Mission Fed for credit union San Diego Home Loans and Mortgages—we’re happy to help. Buying a new home is probably the most important purchase you’ll ever make. Because of that, people like to take their time and research everything they can—learning not only about the home they want to buy, but also the area it’s located in, the school district and current market trends in the real estate industry. Naturally, all of that information can be a little overwhelming for anyone not familiar with purchasing a home and home loans, so it’s important to work with someone you trust.
San Diego Home Loans and Mortgage Loans. That’s why we have made it a top priority to give each and every member the personalized attention they deserve when looking for a credit union Home Loan.
Here are just a few of the options Mission Fed provides for our Home Loans and Mortgages:
- Fast and easy online application with an answer in minutes
- Competitive fixed and adjustable rate mortgages (ARMs)
- Refinance and cash out loans
- Low down payment loans
- First-time homebuyer programs
- Options tailored to best suit your budget and goals
Mission Fed offers many different types of Home Loans that are tailored to our members’ individual needs. Whether you plan on buying or refinancing a home anywhere in California, Mission Fed has a wealth of options available to help determine which loan program is right for you—with no pre-payment penalties!
Come to Mission Fed for your personalized Home Loan and Mortgage options today!
Mission Fed offers great rates on a number of real estate loans. Find out more about:
How to apply for a Home Loan at Mission Fed
Once you’re ready to apply for a Home Loan, Mission Fed makes it as easy as possible. You can apply online or in person at your local branch with the help of one of our knowledgeable employees. Make sure you have all your necessary documents ready to go before applying—including paycheck stubs, W2s, tax returns, bank statements and, possibly, retirement statements—and we’ll help walk you though the prequalification process to find the right credit union home loan for you. Make an appointment with a home loan expert to get the kind of personalized assistance Mission Fed proudly offers.
Choose the time and place that’s convenient for you with our easy appointment reservation system.
Make an Appointment
Buy or Sell a Home and Save Money with HomeAdvantage®
Mission Fed has partnered with HomeAdvantage to make buying or selling a home easy for you. You’ll probably notice first that you can earn Cash Rewards equal to 20% of your network agent’s commission. But there are other benefits as well, including looking for your home online from the convenience of your couch, and working with a preferred Real Estate agent from our local network. Get more details and see the numerous ways you can save time and money with HomeAdvantage and a Mission Fed Home Loan.
Protect Your Home with LiveSmart Insurance
Whether you’re purchasing or refinancing your home, homeowners insurance is one of the most important steps you can take to protect your financial future. Help protect your largest asset with LiveSmart Insurance Services for your home, condo or mobile home.
Why choose Mission Federal Credit Union for a San Diego Home Loan?
Mission Fed is a local business, and we know our community well. We’ve been located in San Diego since opening our doors in 1961, so our credit union Home Loans are customized for the needs of our San Diego County members. Because we’re familiar with the neighborhoods and understand the local housing market, we can help you select the right San Diego Mortgage Loans with great rates. We’ll work hard to get you the Home Loan you need with a down payment and monthly payment that works with your budget. Applying for a Mortgage Loan doesn’t have to be intimidating. Trust Mission Fed to help you find the San Diego Home Loan that’s right for you.
Home Loans and Mortgage Loans. That’s why we have made it a top priority to give each and every member the personalized attention they deserve when looking for a credit union Home Loan.
How do Home Loans work?
At Mission Fed, our goal is to get you into the home of your dreams by helping you find the right Mortgage Loan for your needs and budget and that’s why we offer a free Home Loan Guide. This guide will serve as an introduction to home loans. By reading it, you will learn the basics of what is needed to get a home loan, including the types of home loans available, important terms related to home loans and what they mean, what you need to acquire a home loan and the steps you’ll need to take when purchasing a house with your home loan.
The Mission Fed Home Loan Guide introduces loan terminology like prequalify and preapproval and explains their importance and difference, along with many more terms.
If you are a first-time homebuyer, we have information unique to you, including programs that you can benefit from, mistakes to avoid and important items to consider when you begin your home buying journey.
A big part of the home buying process is determining how much you can afford. This may seem intimidating, but don’t worry—Mission Fed is here to help. Your monthly expenses, down payment amount and interest rate will all play a large part in figuring out how much you can comfortably spend each month on your mortgage. We will also provide a list of calculator resources in this guide that you can use to help determine your home buying power. Get started today—download the Mission Fed Home Loan Guide!
Mission Fed First Mortgage Loans
Whether you’re buying or refinancing a home anywhere in California, we have a variety of loan options and will help you determine the right program for you—with no pre-payment penalties. We service most of our credit union Home Loans ourselves, right here in San Diego, so you’ll be able to get great customer service from our employees.
Avoid unnecessary fees and broker markups by financing with us! Our loan experts can assist with your application, answer any questions you may have and help you understand the process from beginning to end.
Home Loan Program Options
- Competitive fixed and adjustable rates (ARMs): Mission Fed offers great rates to help keep your payments and overall costs as low as possible.
- Low down payments: Find the right Home Loan for you, without having to save up for a large down payment first.
- Purchase loans: Whether you’re looking to buy your first home or an investment property, we’re here to help you purchase the property you want.
- Refinance and cash out loans: Refinance your property for a lower interest rate.
- Jumbo loan amounts up to $2.5 million: Mission Fed offers Jumbo Loans for qualifying members with a loan-to-value ratio of up to 95 percent.
- Terms up to 30 years available: Keep your payments manageable with a 30-year loan term.
- First-time homebuyer programs: Mission Fed and its trusted network of Realtors can walk you through the process of buying your first home, so you can enjoy one of many Mission Fed Moments.
- Investment properties: We’ll help you get the right loan and make sure you’re financially prepared for your investment property.
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 (HELOC).
Workshops and Seminars
First-Time Homebuyer Seminar: When you start thinking about buying your first home, chances are you’re getting a lot of unsolicited advice from family, friends and coworkers. There’s a lot to consider before taking the plunge into home ownership, and there’s plenty of information available at a Mission Fed First-Time Homebuyer Seminar. Register for the next available seminar.
Move Up Workshop: If you’ve been thinking about selling your home and moving up to a new one, but don’t know where or how to get started, the Mission Fed Real Estate Team of experts is here to help you! Register for a workshop or email us at MoveUp@MissionFed.com for more information.
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 most of Southern California. To learn more, go to our Commercial Real Estate page.
When the housing market went into free-fall we sought refinancing, like every other reasonable homeowner 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.
Home Loan Resources
Mission Fed offers a variety of resources to help you navigate your Home Loan process. Whether you’re looking for Home Loan calculators to figure out how much home you can afford or how much of a down payment you should plan to make, we have you covered. We even have calculators to compare mortgages or learn the loan-to-value ratio on your home! We also offer meetings at our local branches where you can speak with real estate agents in your area and get your home buying and selling questions answered. In addition, our Mission Fed Home Loan team will work closely with you, the real estate agents, the home appraiser, the home inspector, title and escrow experts to make your home purchase experience as enjoyable as possible. We’ll keep you in the loop and keep you informed, so you know exactly what’s happening. Finally, we offer helpful infographics that can help you get started with step-by-step guidance to buying your first home, or figuring out how much you should be saving. Each step of the way, Mission Fed is here to help you.
Learn More About Home Loans with These Great Blog Posts!
First-time homebuyers need Mission Fed: Ready to transition from being a home renter to homeowner? 1st VP Real Estate Originations Vince Nowicki offers five steps on how to buy a house, and why a Mission Fed Home Loan is an important part of your home buying journey.
We’ll Help Guide You on Your Home Buying Journey: In addition to offering Home and Mortgage Loans, Mission Fed provides an infographic that can serve as your Step-by-Step Guide to Buying Your First Home.
Mission Fed Loan Options: An Infographic An Infographic Mission Fed doesn’t just offer San Diego Home Loans. Find out all of your Mission Fed Loan Options by looking at this infographic. And remember, with Mission Fed, your success is our bottom line, including informing you about great loans with low rates.
A great service experience includes sharing the disclosure.
Borrowers must be members of Mission Fed. Your business is eligible for Mission Fed membership if it is located within San Diego County.
Rates and terms will vary based on collateral and credit. Programs, rates, terms, conditions and services are subject to change without notice. All accounts and loans are subject to approval. 10/17
More Products & Services
We do not have an event at this time, but you can still get the information you need by contacting our Real Estate team. Please call 858.546.2039 if you are local or 800.500.6328 from anywhere within the USA to speak with a member of the Mission Fed Home Loan team today
Mission Fed provides financing for the purchase or refinance of Multi-family and Commercial properties located in Southern California: San Diego, Orange County, Riverside, Los Angeles and San Bernardino Counties.
By using My Mortgage via Mission Fed Online Banking, you can make payments, access loan details, view loan and escrow history and more for your First Trust Deed and Second Trust Deed Mortgages.
Attend Mission Fed’s free real estate Move Up Workshop for members to learn about the costs that can occur when selling your home, potential tax implications and the benefits of upgrading or staging your home prior to listing it for sale. Plus, you’ll...