Real Estate Loans

Match Your Dream Home with a Dream Loan

Whether you are making your first home purchase, refinancing an existing real estate loan or applying for a home equity line of credit, CEFCU is your FIRST CHOICE for your real estate needs.

Through our commitment to superior financial value and unsurpassed service, we offer members a true advantage.

  • Competitive rates
  • No or low points
  • Flexible terms
  • Low down payment options
  • Easy-to-use online application

Unlock the Possibilities

We’re here to help you come home to the best loan for you! At CEFCU, if you qualify for one of our home loans, you get the rate we post.

But, that's not all! All our real estate loans are carried out by our own Credit Union employees. What this really means is by doing our own loan processing and funding, we can better provide you with quality service and faster closing times! Every step of your home loan process is handled with personal care and attention.

Get started today

Our Real Estate Loan Center uses the latest technology to streamline the application and pre-approval process. You can also view your loan status and track the entire process online. Plus, get prepared with many useful features to help you understand your options, estimate payments, and compare rates and terms.

If applying online does not appeal to you, we still have the same dedicated Real Estate team ready to help you every step of the way. Call (800) 592-3328 ext. 404 to speak with a Real Estate representative.

Real Estate Loan Center


Current CEFCU rates can be found on our Real Estate Loan Center. Real estate loans are available only for residential properties in the state of California. Certain exceptions may apply for jumbo loans or property types. Property insurance is required. All loans subject to credit approval. Rates and terms are subject to change without notice. CEFCU is an Equal Housing Lender. NMLS #626590.