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Purchase a Home

Ready to take the leap?

Buying a Home

Our experienced and patient Mortgage Loan Consultants will help you find the solution that’s right for you. We will be your advocate and partner through every step of the process.

  • Fixed and adjustable rates 
  • Mortgages for primary residences, second homes, condos and investment properties
  • Local underwriting and processing
  • Special programs for first-time home buyers

5/5 Adjustable Rate Mortgage (ARM)

In the market to buy, but concerned about rising rates? A 5/5 ARM might be right for you. 

  • Low payment/introductory rate
  • 2% cap over the original rate for future adjustments 
  • Loan amounts up to $4,000,000

Today's Rates

Types of Purchase Loans1

Expand features to compare products
 ConformingHigh BalanceJumbo
Loan amountsUp to $726,200$726,200 - $1,089,300Above $726,201
Fixed rates available30, 20, 15 & 10 years30 & 15 yearsYes
Adjustable rates availableYesYes5/5, 5/6, 7/6 & 10/6
Federal Housing Authority (FHA) loans30 year fixed 30 year fixedNo

High Balance/Jumbo Loans with Flexible Down Payment Options

It's a common misconception that high balance and jumbo loans require at least 20% down. Move into your dream home without the burden of a high down payment.

  • Low down payment options for primary residences, based on loan amount
    • 3% up to $1,000,000
    • 5% up to $1,500,000
    • 10% up to $2,000,000
    • 15% up to $2,500,000
  • Choose between a Fixed or Adjustable Rate Mortgage (ARM)
  • Purchase and refinance options available

Construction to Permanent2

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. Our one-time closing fees and a single appraisal save you time and money.

  • Interest-only payments during the construction phase
  • Loan amounts up to $5 million based on the home’s future appraised value
  • Available for owner-occupied and second homes
  • We apply a commonsense approach to underwriting

Home Buyer and Seller Services

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

Special Programs

First Time Homebuyer (FHA)

  • Down payments as low as 3% (through Fannie Mae) and 3.5% through an FHA loan
  • We’ll review your finances and help you prepare to get pre-qualified for a mortgage
  • Our videos and workshops guide you through the home buying process

Veteran Administration (VA)

  • Loans available to active and retired military personnel
  • 100% financing - no down payments for qualifying loans
  • No private mortgage insurance
  • Low interest rates & closing costs
  • No prepayment penalties

Second Home Financing

  • If you're looking to buy a second home, we have you covered
  • Interest Only or an ARM
  • Purchase, Rate/Term Refinance and Cash-Out Refinance
  • We also finance non-owner-occupied investment properties

Home Insurance4

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.

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

2Construction to Permanent Loans. 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. Construction phase subject to time limitation - ask a Mortgage Loan Consultant for details. Mortgage loans from Kinecta Federal Credit Union may not be available in all areas.

3HomeAdvantage. 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.

4Insurance 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.