Real Estate Loans

 

Whether you’re looking for a new home, trying to refinance, or thinking of a remodeling project, rest assured that we offer a variety of home lending options to finance your home goals.

The Experts on the Chaffey FCU Real Estate team are dedicated to helping you find the perfect home for you or your family, all while locking in affordable rates and superior service. Not sure where to start? Submit an inquiry from and a representative will be in touch soon to answer your questions.

 
 
 

First Mortgages

First-time buyers welcome! We offer competitive rates for purchases and refinances. Our popular 15-year Fixed Low Rate Mortgage may be just what you need! Begin your home journey with the Chaffey FCU Home Lending experts - Inquire here to learn current rates or get started.

 
 

Manufactured Homes

Take advantage of affordability with a Manufactured Home. Avoid increasing rent payments and benefit from speed and customization of your new home. Get started by reaching out to our Real Estate Team here.

 
 

Home Equity Line of Credit

Rates from 7.50% APR*

Your home is valuable - use its’ equity to your advantage! HELOCs are a cost-effective way for you to fund big projects. With credit lines up to $250,000, you can fund big items such as college costs, home improvement projects, or debt consolidation. Apply today or send a message to our team to take the first step.

 
 

SECOND MORTGAGE

As you work to pay off your home, you build your homes’ equity. Second Mortgages allow you to borrow against the equity in your home to fund large projects at competitive rates. Pay off debt, cover educational expenses, or get a head start on renovations. Apply today or send a message to our team to take the first step.

 
 
 

*APR: Annual Percentage Rate. Advertised rate quoted as of 2/28/25 and is a variable rate that is subject to change based on Prime Rate + Margin. Estimated payment is $8.05 per month for every $1,000 borrowed at 7.50% APR. Other rates available. Loan pricing based on factors such as credit and loan to value of property. Current rates available at chaffey.com/rates-1. Rates and terms subject to change without notice. Minimum advance of $5,000 required at inception. Finance charges start the date of your first advance. Other fees and restrictions apply. HELOC available on owner occupied, primary residences properties located in California; excludes manufactured homes. Loan subject to credit approval. Property insurance is required. Please consult your tax advisor to determine tax deduction eligibility. Federally insured by the NCUA.