Skip to main content

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 and term lengths
  • Mortgages for second homes, condos and investment properties
  • Local underwriting and processing
  • Special solutions for first-time home buyers

Types of Purchase Loans1

Expand features to compare products
  Conforming High Balance Jumbo
Loan amounts Up to $510,400 $510,401 - $765,600 Above $765,601
Fixed rates available 30, 20, 15 & 10 years 30 & 15 years Yes
Adjustable rates available Yes Yes 5/1, 7/1 & 10/1
Federal Housing Authority (FHA) loans 30 year fixed  30 year fixed No

Construction to Permanent

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 money.

  • Interest-only payments during the construction phase, up to 24 months
  • Loan amounts up to $4 million based on the home’s post-construction value
  • Available for owner-occupied single or two-unit dwellings
  • First and second California residential properties only

Home Buyer and Seller Services

  • 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 (FHA)

  • Down payments as low as 3% (through Fanny 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

Need Help?

Our Loan Servicing Team is here to help. Call us today if you need to:

  • Defer a payment
  • Create a workout plan
  • Request payoff statements

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’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. 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.

2HomeAdvantage. 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.

3Househappy 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.

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.