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Home Purchase
Fixed and adjustable rates. Flexible terms.
Fixed-Rate Mortgage
If you plan to stay in your home for a long time and you want consistent monthly payments, you want to lock into a fixed-rate mortgage. USC Credit Union offers traditional terms of 15-, 20- and 30-year fixed-rate mortgages and tailored terms from 5 to 25 years to fit your needs.
Adjustable-Rate Mortgage
If you plan to move in the first five to seven years or you want lower monthly payments upfront, it makes sense to consider an adjustable-rate mortgage (ARM). Lock in a low fixed interest rate for the first five and seven years (5/6 and 7/6 ARMs), along with fixed principal and interest payments. Once the fixed term expires, the rates adjust every six months.
Benefits of USC Credit Union Home Loans
- Choose a term that works for you: fixed-rate or adjustable-rate purchase options
- Count on our team of experienced home-lending professionals to guide you through every step of the process
- Know how much home you can afford with our easy free prequalification
- Loans in all 50 states
FHA and VA Home Loans
Lower rates and flexible terms for qualified buyers.
Government-backed loans that offer lower down payment requirements and flexible credit standards. Ideal for low-income, first-time borrowers, DACA, ITIN, and active currently military, veterans, and their surviving spouses.
Benefits:
- Low minimum down payments and loan options with no money down
- Lower interest rates and closing costs
- Higher debt-to-income ratios relative to other loan types
First-Time Home Buyer Loans
Buy your first home with confidence.
Buying a home is exciting – and complex. Count on our team of experienced home-lending professionals to guide you through every step of the process. We put together a guide to help you buy your first home with confidence. Find everything you need to know all in one place, including:
- Home buying basics and loan options
- Step-by-step application process
- Post-closing next steps
Right Move Realtor Program
Make the right move and get valuable rebates on your agent’s commission
Thinking of using a real estate agent to help you buy or sell your home? Need more convincing? Take a look at what USC Credit Union’s Right Move program offers home buyers and sellers in Los Angeles and Orange County:
- Rebates on home sales and purchases1
- Discounts on escrow services and home warranties1
- Guaranteed on-time mortgage loan closing1
Educational Resources
Home Loan Advice
How much down payment is normally required to buy a home?
For many people, buying a home is one of the most significant financial decisions they will make in their lifetime. One of the key considerations in this process is the down payment, which is the amount of cash that a buyer pays upfront toward the purchase price. While the amount of the down payment required can vary depending on several factors, it is an essential component of the home-buying process.
How much down payment is normally required to buy a home?
Credit Unions
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Why Do Credit Unions Have Better Rates?
Students
Understanding Financial Aid Award Letters
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Understanding Financial Aid Award Letters
Credit Unions
What is the difference between a credit union and a bank?
When it comes to managing your finances, you have several options available to you, including banks and credit unions. While both offer similar financial products and services, there are some key differences between the two that can affect your decision about which one to choose.
What is the difference between a credit union and a bank?
Fraud Awareness
5 Pinch-Proof Tips to Prevent Scams & Fraud
Don't let scams and fraud catch you off guard this St. Patrick's Day. Protect your identity and money with these 5 pinch-proof tips!
5 Pinch-Proof Tips to Prevent Scams & Fraud
Borrower Advice
Free Auto Buying eBook
This eBook will give you everything you need to know before buying a car. Learn how to be a savvy car shopper so you don’t get taken for a ride. We’ll arm you with knowledge of financing, interest rates, terms, and more. Be prepared, so you can drive off the lot with confidence.
Free Auto Buying eBook
Home Loan Advice
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
Protecting What You Value
Debt Protection
If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.
Debt Protection
Student Loans
Consolidation vs. Refinancing Student Loans
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Consolidation vs. Refinancing Student Loans
News
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List
On November 29, 2022, Forbes honored Altro Cofounder/CEO and USC Credit Union board member Michael Broughton with a selection to its prestigious “30 Under 30” list for 2023.
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List
NMLS #448984
1Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of transaction. Purchase price must be greater than $200,000. To receive the 25% rebates, the home sale and purchase transactions must take place within six months of each other. Rebates applicable to California properties only. Members receive a 20% rebate if they sell or purchase a home with a First Team Agent. First Team Real Estate is not affiliated with USC Credit Union. Ask for details. On-time closing guaranty paid by Hallmark/Coast Cities Escrow at the close of transaction. Hallmark/Coast Cities Escrow is not affiliated with USC Credit Union.
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