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Home Loans

Whether you are buying a new home, refinancing an existing home, or making improvements, Upward CU can help with our easy solutions. We have a wide variety of real estate programs to meet your specific needs. Review your options below, and call today!
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First Mortgages by TruHome

A first mortgage is your stepping stone to homeownership! It’s a loan designed to help you purchase your dream home, with competitive rates and options tailored to fit your budget. To make the process smooth and efficient, we partner with TruHome Solutions to process your application, providing you with expert support every step of the way.

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Second Mortgage

A second mortgage is a close ended loan that lets you use your home’s equity to fund renovations, consolidate debt, pay for education or cover big expenses. With competitive rates and manageable payments, we’re here to guide you every step of the way.

Owner Occupied Property

  • Borrow up to 80% of the appraised value of the home, less the first mortgage balance. Maximum loan amount is $250,000 — minimum amount is $10,000.
  • Fixed rate for the life of the loan
  • 5-year (60-month), 7-year (84-month), 10-year (120-month), 15-year (180-month) repayment periods available; or 20-year (240-month) on originating balances of $75,000 or more
  • NO prepayment penalty
  • Closing costs to be determined at time of application

Non-Occupied/Rental Property

  • Borrow up to 75% of the appraised value of the property (less than four units), less the first mortgage balance. The maximum loan amount is $50,000 – minimum amount is $10,000.
  • Fixed rate for the life of the loan
  • 10-year (120) repayment period
  • NO prepayment penalty
  • Closing costs of approximately $125 – $275
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Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a revolving line of credit that lets you borrow against your home’s equity as needed. With flexible borrowing and low rates, it’s a smart and convenient way to pay for home improvements, education, or unexpected expenses. We’re here to help you make the most of your home’s value!

Features

  • Conveniently access your HELOC by writing one of our special checks you will be provided with. Minimum check amount is only $250
  • Borrow up to 80% of the appraised value of the home, less the first mortgage balance
  • Credit lines available up to $200,000
  • Draw period of 10 years
  • 15-year (180-month) repayment period recalculated monthly; 20-year (240-month) repayment period on limits of $75,000 or more
  • Minimum amount of $250 per advance
  • Variable Rate is based on the Prime Rate as published in the Wall Street Journal, and may change monthly. The rate changes on the 1st of the month following the change in the Prime Rate. The change must occur at least 10 days before the end of the month.
  • NO prepayment penalty
  • Closing costs of approximately $125 to $275
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(650) 231-1300

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(888) 481-8428

Address

1860 El Camino Real, Suite 100
Burlingame, CA 94010

Routing Number

321171744

NMLS 410278

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