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Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors.

The HomeAdvantage program is made available to you through a relationship between Patelco Credit Union and CU Realty Services.

Loans over 80% LTV require mortgage insurance (except for 10% down “combo loans” up to $2 million, which are only available in CA).

Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15 and 30 year fixed jumbo mortgages only.

Applicable on the purchase of a single family residence and 30 year fixed conforming loans with minimum 740 FICO. At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing.

Closing costs fees covered include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure.

Other conditions and restrictions may apply. Loans are subject to credit and property approval. Nothing herein is or should be interpreted as an offer or commitment to lend. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice.

Gift funds or bond programs for closing cost assistance are allowed. Up to 100% financing (based on VA lending limits) may be available for purchase loans and up to 90% for cash-out refinances.Talk to a Patelco Home Loan Consultant for details. Bi-weekly payment option offers reduced number of years for early loan pay-off date and reduced interest paid depends on loan amount, interest rates, and every two weeks or weekly payment plan start time. Equity Builder is a bi-weekly payment option for specific Patelco mortgage products.Other terms and conditions apply, for details and restrictions contact a Patelco Home Loan Consultant. For 1st mortgage owner-occupied purchase transactions without an underwriting approval issued in advance of the purchase contract application date, a 28-day closing guarantee will apply.

Approval must be issued by Patelco in advance and dated before the purchase contract application date. 18-day closing guarantee valid only on 1st mortgage owner-occupied purchase transactions (closed and funded by Patelco) with an existing and fully underwritten loan approval. Closing date must be no less than 18 days from the application date and on the original purchase contract.Please use the Rate Calculator on our application page to get a better estimate for your scenario. Your rate may be different than what is shown. Rate shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees.