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Our experienced mortgage loan consultants will help you find the solution that’s right for you. They will be your advocate and partner through every step of the process. Here's what you can expect:
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.
See how you can qualify for additional savings on your mortgage with Relationship Pricing.
| Conforming | High Balance | Jumbo | |
|---|---|---|---|
| Loan amounts | Up to $766,550 | $766,551 to $1,149,825 | Above $766,551 |
| Fixed rates available | 30, 20, 15 & 10 years | 30 & 15 years | Yes |
| Adjustable rates available | Yes | Yes | 5/6, 7/6 & 10/6 |
| Federal Housing Authority (FHA) loans | 30 year fixed | 30 year fixed | No |
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.
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.
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.
Your home is probably your biggest single investment. Make sure it’s protected from natural disasters, accidents, and even normal wear and tear.
*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs more than 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.
3Construction 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.
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.
