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Buying? Refinancing? We can help.

You’ll be delighted by the passion of our Mortgage Loan Consultants who help you determine what you can afford, walk you through the offer process, and keep you informed of your loan’s status until the last document is signed.

Today's Rates

Home Buyer and Seller Services

Kinecta gives you complimentary access to home services tools so you can focus finding and maintaining your own home.

  • HomeAdvantage3. Find the right real estate agent to buy or sell your home and earn cash rewards! It’s a free service for Kinecta members.

  • Househappy4. Need help keeping organized? This free, handy service helps you manage everything from maintenance reminders to warrantee receipts

Special Programs

First Time Homebuyer

  • We’ll review your finances and help you prepare to get pre-qualified for a mortgage
  • Use videos and workshops to guide you through the home buying process
  • Enjoy down payments as low as 3% (through Fanny Mae) or 3.5% through a Federal Housing Authority (FHA) loan

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!

Construction to Permanent

  • Talk to Kinecta about our single loan solution that takes you from construction to move-in.
  • With an up-front rate lock and a single appraisal, you’ll save both time and money

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 warrantee

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

Kinecta mortgage loans 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.

1Mortgage loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change.

2Equity 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.

3HomeAdvantage. Program made available to you through a relationship between Kinecta 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.

4Househappy and Househappy Home Services. Househappy is not affiliated with Kinecta Federal Credit Union. Kinecta will fully cover the cost of the HouseHappy service (valued at $99.00) for Kinecta members.

 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.