Buy a Home2
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.
BUY A HOME
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. Be sure to ask about Kinecta's Relationship Pricing1 program, which can save you money on your first mortgage based on your relationship with us.
Today's Rates
See how you can qualify for additional savings on your mortgage with Relationship Pricing.
Special Programs
Home Buyer and Seller Services
Find the right real estate agent to buy or sell your home and earn cash rewards with HomeAdvantage4!
It’s a free service for Kinecta members.
Home Insurance5
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
*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta Federal Credit Union's most recent published rate.
Mortgage loans from Kinecta Federal Credit Union are offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs in excess of 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.
2Mortgage loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change.
3Equity loans and lines of credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change.
4HomeAdvantage. 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.
5Insurance 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.