Investment / Rental Loan

Getting the most out of your investment loans

An investment property is an ideal way to supplement your income, and your not-for-profit member-owned credit union can help you get affordable financing. While each loan situation for investment properties is unique, Stanford FCU’s Mortgage Consultants can help you with any questions and explain all of your financing options.

Investment Rental LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30/15 Year Fixed Balloon Jumbo3.375%3.448%3$4,310180
30 Year Fixed Conforming3.625%3.871%2.375$2,052360
15 Year Fixed Conforming3.125%3.449%1.625$3,135180
30/15 Year Fixed Balloon Conforming3.250%3.618%3$1,958180


Note: Conforming loan amounts in most locations is $484,350. All loan amounts higher than Conforming are considered Jumbo loans.


Understanding Home Loans

Learn the ins and outs of mortgage loans, whether you’re a first-time homebuyer or considering a refinance.



Free Personalized Total Cost Analysis

refi loan total cost analysisGet a free personalized Total Cost Analysis to compare different products and down payment amounts:


If you’re looking for financing for your investment property, Stanford FCU offers great options for your mortgage!

  • Competitive interest rates
  • Interest only payments
  • Non-recourse secured loans
  • No pre-payment penalties
  • Fixed rate loans (fixed-rate loans are available in all states, with limitations on maximum loan amounts)
  • Low fees (no junk fees)
  • Flexible terms
  • Knowledgeable Mortgage Consultants
  • Local processing – right here in Palo Alto
  • Finance Home Loans outside California
  • Membership Rewards Benefits


Rates effective 11/15/2019. The examples shown here are based on a non-owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.

Fixed Rate Loan payment examples: Jumbo monthly payments are based on a purchase price of $1,300,000, 25% down payment, FICO® score of 750 or greater and loan amount of $975,000. Conforming monthly payments are based on a purchase price of $600,000, 25% down payment, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. The 30/15 Year loans are amortized like a 30-year mortgage with a fixed rate, but at the end of 15 years the remaining balance (aka the balloon) must be paid in full.

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.
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