Let’s face it, mortgage loans are complicated, whether you’re buying a home, refinancing your home loan, drawing equity out of your home or investing in rental property. Working with a team of professionals who know the area and have only your best interest at the heart of everything they do, can made the process so much easier. We’re local, we’re not-for profit, and we have low rates and fewer fees. We stand for you!
We realize the importance of providing a variety of loan products to our members. That’s why we have them all—conforming and jumbo loans, fixed-rate and adjustable-rate loans, loans on leased land, and many other programs—with low competitive rates and no junk fees!
Refinancing is a practical financing option that can offer you long-term rewards. Whether you want to lower your monthly payment, borrow against the equity in your home to get cash or both, we can help.
You have a Home Loan Team that’s here to make your first home-buying experience a good one from start to finish. We have programs to meet every first-time homebuyer’s needs with little out of pocket expenses and terms to make your loan payments affordable.
An investment property is an ideal way to supplement your income. While each loan situation for investment properties is unique, Stanford FCU’s Mortgage team can help you with any questions you may have and go over all of your financing options.
Home equity loans, also known as second mortgages or second deeds of trust, are loans secured by a lien against your home, in addition to your first mortgage. They are based on the current value of your home minus your first mortgage balance. You may borrow up to 80% of your home’s equity. Home Equity Lines of Credit are similar, but are set up as a credit line that you may draw upon, whenever you need a low cost source of funds.