Mortgage Financial Assistance
Kinecta offers loan modification, short sale, deed-in-lieu, and foreclosure options to members who need financial assistance with their home loan.
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Whether you're looking to purchase a home or refinance an existing loan, our experienced mortgage loan consultants are here to help you navigate the process and find the right loan for your needs.
Today’s home lending rates.†
Conforming 30 Yr Fixed
6.250% / 6.365% APR
Discount Points 0.000
Jumbo / High Balance 30 Yr. Fixed
6.000%/6.078% APR
Discount Points 0.00
5/5 Conforming / Jumbo ARM
5.250%/6.311% APR
Discount Points 0.00
7/6 Jumbo / High Balance ARM
5.500%/6.248% APR
Discount Points 0.00
†Please note that rates and fees are subject to change without notice.
Built around you—mortgage savings for our members.
Relationship Pricing1
Enjoy exclusive discounts on your mortgage interest rate and closing costs just for being a valued member. That means lower monthly payments and less cash needed at closing.
Buy a Home
There’s more to buying a house than just finding a great rate. Kinecta is your home buying partner every step of the way from pre-qualification through closing. We also help you protect it after it’s yours.
Refinance a Home
If you’ve been in your home for a while, it might be time to refinance. You could lower your monthly rates, reduce the term of your loan, or move from an adjustable to a fixed rate.
Home Equity Loans
Use the equity in your home to consolidate debt, make home improvements, plan a vacation, pay for college tuition, and so much more.
Home starts here – loans for first-time buyers, veterans and more.
First Time Home Buyer
- We’ll review your finances and help you prepare to get pre-qualified for a mortgage
- We'll help you navigate the offer process and update you on your loan’s status through closing.
- Enjoy down payments as low as 3% (through Fannie Mae) or 3.5% through the Federal Housing Authority (FHA)
VA and FHA Loans
- Active and retired military qualify for special benefits through Veterans Administration (VA) purchase loans
- You may qualify for any of the affordable mortgages offered through the FHA – ask us today!
Home Buyer and Seller Services
Find the right real estate agent to buy or sell your home and earn cash rewards with HomeAdvantage2!
It’s a free service for Kinecta members.
Home Insurance3
Your home is probably your biggest single investment. Make sure it’s protected from natural disasters, accidents, and even normal wear and tear.
- Single family home, condo, or townhouse
- Second home or investment property
- Earthquake and flood
- Home warranty
Ready for your new home?
Whether you're buying your first home, refinancing, or considering a HELOC we're here for you. Click Apply Now to begin your journey, or Talk to Us to send a message.
You can also reach Mortgage Team at 800.854.4501.
*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs more than 80% typically require mortgage insurance which will increase both your APR and monthly payment.
1Relationship Pricing applies to first mortgages only and discounts and credits are not applicable on Home Equity Loans and/or Lines of Credit. Visit Relationship Pricing page for full terms and conditions.
2HomeAdvantage. Program made available to you through a relationship between Kinecta Federal Credit Union and CU Realty Services. Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent within the HomeAdvantage network.
3Insurance products are 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.
Mortgage loans and Home Equity Lines of Credit. Subject to credit approval. Rates, loan amounts and terms are based on standard underwriting factors and are subject to change. Income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product, your credit history, income, property value, occupancy, property type, loan amount and loan purpose. Mortgage loans from Kinecta Federal Credit Union may not be available in all states.
Home Equity Line of Credit (HELOC). Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the "index") plus a margin. This rate may vary with changes in the Prime Rate. As of 10/30/2025 Prime Rate is 7.000%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. CLTV up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $195 loan processing fee waived (only) for HELOC w/Intro Rate programs under the following conditions: Member is participating in Home Equity Relationship Pricing option and The HELOC is not paying off another Kinecta Home Equity Loan closed less than 12 months prior to the new HELOC w/Intro Rate application date.