OPENING THE DOOR TO YOUR DREAM HOME IS EASIER THAN EVER WITH A PLCU HOME LOAN!


PLCU offers a wide variety of home loan programs to suit your financing needs. Whether you’re buying your first home, refinancing your existing home, or using the equity in your home to finance home improvements or achieve your financial goals, PLCU is your solution.

FIRST MORTGAGES

Getting your first mortgage can be a very daunting task. That’s why PLCU will give you honest value whether you’re buying your first home, moving up, leaving an empty nest, or refinancing. And we will make sure you thoroughly understand your loan before funding. Fixed rates with terms of 10, 15, 20, or 30 years, Loan amounts up to $4 million and no points, no lender cost options available!

Learn more about first mortgages

ADJUSTABLE RATE MORTGAGE (ARM)

PLCU offers Adjustable Rate Mortgages wich may be a way to lower your monthly payments! No payment changes at the start makes for easier budgeting. After the fixed-rate starting period, your rate may adjust annually. You can choose fixed-rate starting periods of 3, 5, 7, or 10 years. Our annual and lifetime caps keep adjustments manageable. We also have no points, no lender cost option available, low interest rates and loan amounts up to $4,000,000!

Learn more about PLCU adjustable rate mortgage

FIRST-TIME HOMEBUYER PROGRAM

We know getting your down payment can be a struggle. At PLCU, if you don’t have a big down payment, you can still become a homeowner with this special loan. We have a discounted rate for the first three years and PLCU pays non-recurring costs including appraisal, credit check, and title insurance.

Learn more about PLCU first time home buyer program

Second Trust Deeds

Looking to remodel or consolidate your debt? Get cash out of your home for big-ticket purchases with this handy loan. With fixed rates that offer security and peace of mind, terms up to 15 years for lower payments and financing available up to 80% of the value of your property!

Learn more about PLCU second mortgage

HOME EQUITY LINE OF CREDIT (HELOC)

Wouldn’t it be nice to just write YOURSELF a check for emergencies or big plans? Now you can with a PLCU Home Equity line of credit. With no up-front or annual fees, no closing costs, up to 80% loan-to-value, from $10,000 to $250,000 and interest-only options!

Learn more about PLCU Home Equity Line of Credit

Apply for any time of mortgage with PLCU

Sign up today at any of our 6 convenient locations:

Carlsbad / El Cajon / National City / Kearny Mesa / Sports Arena / Rancho Bernardo

Or call toll-free 888.495.3400.