Current Mortgage Loans & Rates
Home Equity Lines of Credit	Rate as Low as
Interest Only HELOC	6.50%
Non-Owner HELOC	7.00%
Rates subject to change without notice. Restrictions may apply. Click here for more rates and terms.

Mortgage & Equity Loans

Home ownership is an important goal and investment. A key step is securing a loan that will support your financial plans for today and for the future. Our mortgage and equity loans can give you the tools you need to buy, refinance or use your home's equity.

Mortgage Loans

Through our partnership with Community Mortgage Funding (CMF), Financial 21 is able to offer many types of mortgage loans for owner-occupied and non-owner occupied residential property in California.

• First Trust Deeds with competitive fixed and adjustable rates
• Jumbo Loans available
• Terms up to 40 years
• Programs for everyone from the first-time borrower to the experienced investor
• Click here to apply for a Mortgage online now

Home Equity Lines of Credit (HELOC)

We offer several Home Equity Lines of Credit to provide the flexibility you need. There are no up-front fees and easy access with FREE checks for your convenience. Let us help you find the HELOC that fits your needs:

• Revolving lines of credit from $5,000 to $300,000
• Competitive variable rates
• No up-front fees
• Up to 80% LTV
• Terms up to 25 years
• Available for Owner or Non-Owner Occupied properties
• Click here to apply for a HELOC online now

Fixed Rate Second Trust Deeds

Financial 21 also offers fixed rate Second Trust Deeds for Owner and Non-Owner Occupied properties.

• Loan amounts up to $300,000
• Competitive fixed rates
• Up to 80% LTV
• Terms up to 25 years
• Click here to apply for a Fixed Rate 2^nd Trust Deed online now

Cash Back Rebate

Offering our members a great mortgage isn’t enough. We want to offer our members more. Cash Back Rebate is Financial 21's one-stop housing resource that can help you buy or sell your home and give you a cash rebate of 25% of your agent's commission. You'll be working with an experienced professional Realtor® and Personal Transaction Assistant who are committed to making the entire process convenient and worry-free. There is no additional fee for using Cash Back Rebate, but there are many benefits!

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By members' choice, Financial 21 Community Credit Union is privately insured through American Share Insurance up to $250,000 per account. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. This institution is not insured by any state government.