Last Updated: 04/18/2025
E-Central Credit Union New Jumbo First-Trust Deed Loan
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
Starting at $970,801
Loan Term (Years)
Up to 30
E-Central Credit Union New Jumbo First-Trust Deed Loan Review
E-Central Credit Union New Jumbo First-Trust Deed Loan is offered by E-Central Credit Union , a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union New Jumbo First-Trust Deed Loan are available in 1 state.
Key Takeaways
- Only offers one mortgage pogram. E-Central Credit Union New Jumbo First-Trust Deed Loan only provides jumbo mortgages.
- Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
- Standard interest rates types. E-Central Credit Union New Jumbo First-Trust Deed Loan offers adjustable-rate mortgages and fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- High maximum DTI ratio. E-Central Credit Union New Jumbo First-Trust Deed Loan requires a debt-to-income ratio of less than 49.99%. This ratio includes all your monthly debts, not just your proposed mortgage payment. Typically, lenders have a maximum DTI of 43% or lower.
E-Central Credit Union New Jumbo First-Trust Deed Loan Pros & Cons
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E-Central Credit Union New Jumbo First-Trust Deed Loan FAQ
What is the maximum loan term you can get with E-Central Credit Union New Jumbo First-Trust Deed Loan?
E-Central Credit Union New Jumbo First-Trust Deed Loan offers mortgages with a maximum term of 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 E-Central Credit Union 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, E-Central Credit Union New Jumbo First-Trust Deed Loan may charge a loan origination fee .
What mortgage programs are available?
Besides conventional mortgages, E-Central Credit Union New Jumbo First-Trust Deed Loan offers the following mortgage types:
- Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency.
What property usage types does E-Central Credit Union New Jumbo First-Trust Deed Loan allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. E-Central Credit Union New Jumbo First-Trust Deed Loan allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for E-Central Credit Union New Jumbo First-Trust Deed Loan is (626) 799-6000.
What is the support contact email?
The support contact email for is info@ecentralcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed