1st Mortgage


Buying a house is one of the most important investments you will ever make. That’s why at First Californian, we have a variety of programs to best suit your needs as a homebuyer. We also have experienced mortgage loan officers to help you select the program that is right for you.


Maybe you’re not a typical homebuyer, that’s fine with us, because First Californian is not a typical credit union either. We can tailor our mortgage programs and use our industry expertise to help you buy the home you want.

Whether you are planning to buy today or in the near future, the best way for you to make the most informed purchase is to talk with us today. We can help you get pre-approved for a home mortgage and guide you through the financing process. Mortgage options include:

1st Mortgages:


  • Purchase loans
  • Refinance and cash out loans
  • Competitive fixed and adjustable rates (ARMs)
  • FHA financing and low down payment loans
  • VA financing and low down payment loans
  • First-time homebuyer programs

 

Combination Loans (80/10/10):


A Combination Loan refers to a 1st Mortgage that taken out in combination with a Home Equity Loan or Home Equity Line of Credit (often referred to as a 2nd Mortgage). First Californian offers combination loans for up to 90% of your home’s value with conforming loan options.



Apply Online for a 1st Mortgage


The First Californian application takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one or knowledgeable loan officers with instructions.

Click Here for loan options, rates, and disclosures.

Apply Now!

For additional information, to schedule an appointment, or to begin an application, please contact us today!


  • Call us at 951.755.5572 or toll-free 877.992.8663, Monday – Friday 9 am – 5 pm
  • Visit any of our convenient branches
  • Email us at loans@amucu.org

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (with maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii, and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (with maximum loan amount exceeding $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii, and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.


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