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Specialized Loans

Convenient financing solutions for unconventional challenges.

If you are looking for something out-of-the-box, Kinecta specializes in convenient solutions to unconventional problems. Want to acquire your first (or second or third) investment property? We can help. Looking to tackle major residential reconstruction? We have a solution. Ready to purchase a vacation home? We’ve got you covered.

Construction to Permanent1

Building or renovating a home in an established neighborhood? Our Construction-to-Permanent loan covers construction while you’re building, then converts to a fully-amortized mortgage when completed. We offer an up-front rate lock and only require a single appraisal to save you money.

  • Interest-only payments during the construction phase, up to 24 months
  • Loan amounts up to $4 million based on the home’s future appraised value
  • Available for owner-occupied and second homes
  • We apply a commonsense approach to underwriting

More than Single-Family Homes

Kinecta’s low rates, flexible financing options, and local underwriting are perfect for financing a condominium or townhouse. If you are contemplating a second or vacation home, let’s talk!

Non-Owner-Occupied Investment Property

Ready to take the plunge into investment properties or add to your current portfolio up to 4 units? Kinecta offers fixed rates at 80% combined loan-to-value (CLTV) or less. With a variety of flexible lending options, we can meet your financing needs. 

Home Insurance2

Your home or investment property is a big 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’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.

1Construction to Permanent Mortgage. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Full 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 and by State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Kinecta mortgage loans may not be available in all areas.

2Insurance 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.