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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!
Culdesac at the end of screet with multiple houses, driveways and cars parked out front.

First Mortgage – Home Purchase

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.
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Second Mortgage - Home Equity Loan

A Home Equity Loan 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

  • No prepayment penalty
  • Fixed rate for the life of the loan
  • 5-year, 7-year, 10-year, 15-year, or 20-year repayment periods available
  • Borrow up to 80% of your home's appraised value, minus the balance of your first mortgage. Loan amounts range from $10,000 to a maximum of $650,000
  • Closing costs to be determined at time of application

Non-Occupied/Rental Property

  • No prepayment penalty
  • Fixed rate for the life of the loan
  • 5-year or 10-year repayment periods available
  • Borrow up to 75% of the appraised value of a property with fewer than four units, minus the balance of the first mortgage. Loan amounts range from $10,000 to a maximum of $150,000
  • Closing costs of approximately $550
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Second Mortgage - Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a flexible, revolving credit line that lets you borrow against the equity in your California property—when you need it, how you need it. With competitive rates and convenient access, it’s a smart way to fund home improvements, education costs, or life’s unexpected expenses. Let us help you make the most of your home’s value!

Features

  • No prepayment penalty
  • Draw period of 10 years
  • Lines from $10,000 to $650,000
  • Access your HELOC funds in minimum increments of $250
  • Easily access your HELOC using special checks
  • Maximum repayment term: up to 20 years (240 months)
  • Variable rate tied to the Wall Street Journal Prime Rate
  • Borrow up to 80% of the appraised home value, less your first mortgage balance
  • Closing costs approximately $550
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