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!

First Mortgages

Fixed and adjustable rate programs for purchases and refinances. Repayment term options are available to meet your needs. For current rates, programs, and an application, please click here for the Wescom Mortgage Borrower Center.


Wescom Central Credit Union NMLS# 999430

Second Mortgages

Owner Occupied

 

  • Borrow up to 80% of the appraised value of the home, less the first mortgage balance. Maximum loan amount is $200,000 — minimum amount is $10,000.
  • Fixed rate for the life of the loan
  • 15-year (180-month) repayment period; 20-year (240-month) on originating balances of $75,000 or more
  • NO prepayment penalty
  • Closing costs of approximately $125 to $275

Rental Properties

 

  • Borrow up to 75% of the appraised value of the property (less than four units), less the first mortgage balance. 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

Visit the Loan Department at our Main Branch or call them at (650) 231-1300 option 3, to apply today!

Home Equity Lines of Credit (HELOC)

Improve it. Fix it. Get it done. Use your home to make any project possible with our Home Equity Line of Credit. Whether you want to replace your roof, landscape your yard, or update your kitchen, we’ve got you covered!

Stop by our main branch or call 650-231-1300 option 3, to apply today!

  • 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 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