Last Updated: 04/18/2025
Credit Union of Southern California Fixed-Rate High Balance Mortgage
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
$647,201 - $970,800
Loan Term (Years)
15 - 30
Credit Union of Southern California Fixed-Rate High Balance Mortgage Review
Credit Union of Southern California Fixed-Rate High Balance Mortgage is offered by Credit Union of Southern California (NMLS #454788), a credit union founded in 1954 and based in wHITTIER, CA. Credit Union of Southern California Fixed-Rate High Balance Mortgage are available in 1 state.
Key Takeaways
- Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
- Standard interest rates types. Credit Union of Southern California Fixed-Rate High Balance Mortgage only offers fixed-rate mortgages.
- Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Credit Union of Southern California Fixed-Rate High Balance Mortgage does offer financing for primary and secondary homes (e.g. vacation properties).
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- Origination fees starting at $995.00.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
Credit Union of Southern California Fixed-Rate High Balance Mortgage Pros & Cons
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Credit Union of Southern California Fixed-Rate High Balance Mortgage FAQ
How much can you borrow via Credit Union of Southern California?
Credit Union of Southern California Fixed-Rate High Balance Mortgage allows borrowers to apply for loan amounts of up to $970,800. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with Credit Union of Southern California Fixed-Rate High Balance Mortgage?
Credit Union of Southern California Fixed-Rate High Balance Mortgage offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does Credit Union of Southern California offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Credit Union of Southern California Fixed-Rate High Balance Mortgage may charge a loan origination fee of $995.00
What property usage types does Credit Union of Southern California Fixed-Rate High Balance Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Credit Union of Southern California Fixed-Rate High Balance Mortgage allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
What is the customer service phone number?
The customer service number for Credit Union of Southern California Fixed-Rate High Balance Mortgage is (562) 945-2214.
What is the support contact email?
The support contact email for is support@cusocal.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM