House with magnifying glass


Buying a new home? Make the smart move and apply for your next home loan with Kinecta. Our experienced Mortgage Loan Consultants will help you find the financing solution that’s right for you:

  • Approved FHA lender
  • Conforming, super-conforming, and jumbo loans
  • Condo loans
    • Warrantable and Non-warrantable
  • Fixed & adjustable rate mortgages
  • Flexible terms
  • Low fees
  • Loans up to $3 million
  • No prepayment penalty
House with stack of coins


Thinking of refinancing your home? Many homeowners like you have discovered the benefits of refinancing with Kinecta.

Our seasoned Mortgage Loan Consultants can help you understand and take advantage of today’s rates and money-saving refinance programs. These include the Home Affordable Refinance Program (HARP) and our FHA Streamline Refinance Program. 

Our goal is to help you find the right refinance solution that best fits your lifestyle and budget.

Mortgage Financial Assistance

Smart Move Homebuyer Program

Finding your home:

Buying your home

  • Purchase Ready Pre-Approval – show sellers that you’re a serious buyer and you have financial backing.
  • Purchase Incentives – you may be able to save money on a home loan with Kinecta.
    • Up to 0.50 Discount Points – both on Conforming and Super Conforming loans.3
    • 0.375% Discount Points – on Jumbo loans.4
  • Low Down Payment Programs - Like HomeKinect which allows down payments as low as 3%.  

Protecting your home:

Membership requirements apply.

Terms and conditions subject to change. All loans subject to credit approval. NMLS # 407870.

  1. Please visit for details.
  2. Free kits while supplies last. Visit for a complete list of home buyer workshops.
  3. Applicable to home purchase transactions only. 0.50 discount offer applicable to Conforming and Super Conforming fixed-rate mortgages for both a 30 and 45-day rate lock. Valid on home purchase loans locked on or after 1/28/2014. For investment properties or second homes, discount offers valid on loans with terms of up to 15 years. Not valid on detached condominiums. Offer subject to change without notice and may be canceled at any time. Ask a Kinecta Mortgage Loan Consultant if offer is still valid at the time of rate lock.
  4. Fee Discount of 0.375%. Applicable to Jumbo loans up to $2,000,000 for Retail purchase transactions only.
  5. Please visit for details.
  6. Insurance products offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.