Your Security 
Home Loans
Congratulations! You have made the first step in achieving your dream of home ownership or home refinance! At USE Credit Union, our goal is to be the premier mortgage lender in California, and your home loan lender for life. To achieve this vision, we have created a specialized home loan division, USE Home Loans, to deliver to our members best-of-class mortgage solutions:
- New, Service Guarantees featuring "Best" Price†
- New, No-Cost, Pre-Purchase Rate Protection *** with One-Time Float-Down Option
- New Mortgage Loan Options, including FHA
- New, "Nearly-Impossible-to-Find" Jumbo Mortgage Financing up to $1.5 million
- New, Leading-Edge Self-Service Technology Platform (My Mortgage Center)
- Free, Unique "Mortgage Cost Analysis" Loan Comparison
- Knowledgeable Mortgage Loan Specialists Determined to Deliver an Unbeatable Service Experience!
What's the first step? We recommend starting by selecting a Certified Senior Mortgage Specialist. This guarantees you will get the very best service experience possible, since you will immediately have an expert assigned to your loan request. Even if you prefer to self-serve online, your experience will be better with a specialist watching your back.
Next? Once you land on the page of your Certified Senior Mortgage Specialist, click "apply now" to get your pre-approval and loan decision started! It is that easy! Check our current mortgage rates.
| Northern California | |
| Branch | CERTIFIED MORTGAGE SPECIALIST |
| Berkeley | Richard Ruiz |
| Berkeley | Danielle Davis |
| Berkeley | Patrick Ignacio |
| Davis | Shelley Duckart |
| Davis | Tammy Crewdson |
| Southern California | |
| Branch | CERTIFIED MORTGAGE SPECIALIST |
| Carmel Mountain | Cher Stingo |
| Carmel Mountain | David Andrews |
| Chula Vista | Ruben Madrigal |
| Chula Vista | Cynthia Reyna |
| La Jolla | Betty Madamba |
| La Jolla | Kathleen Dallas-Orr |
| La Jolla | Joanne Field |
| La Mesa | Nelson Goncalves |
| La Mesa | Jeff Ginsburg |
| Mission Valley | Chris Brooks |
| Mission Valley | Donald Coleman |
| Mission Valley | Deborah Etchings |
| SDSU | Deborah Etchings |
New Service Guarantees Featuring "Best" Price†
When it comes to home mortgage loans, our commitment to excellent service is more than just a promise. We back it up with three great service guarantees that make home loans faster and more affordable:
- We guarantee to beat any lender’s price, or we’ll pay you $750†
- We guarantee to give you a same-day loan decision, or we’ll pay you $250♦
- We guarantee to meet your requested closing date, or we'll reduce your interest rate by 1/8 of one percent for the life of the loan.*
Free Unique "Mortgage Cost Analysis" Loan Comparison – Only from USE Credit Union
As part of USE's unique home loan services, our Mortgage Specialists will complete a free mortgage cost analysis to help you make an informed mortgage decision. This powerful evaluation tool features a detailed side-by-side comparison of several home loan programs, so you can determine the true cost and benefits of each program. View a sample report.
Knowledgeable Mortgage Loan Specialists Determined to Deliver an Unbeatable Service Experience!
USE's team of "Certified Mortgage Specialists" are uniquely qualified to help you achieve your mortgage loan dreams at any stage during your life, from buying your first home, to upgrading or relocating, to converting your available equity into ready cash, to refinancing your loan, to obtaining a courtesy lien to give you a 'tax-deductible auto loan!'** USE Home Loans is the name you can trust for your real estate loan solutions.
No-Cost Pre-Purchase Rate Protection with One-Time Float Down Option
USE Credit Union now offers members Pre-Purchase Rate Protection for no additional cost. This service safeguards your interest rate against market fluctuations for 90 days.*** We’ll cap your interest rate according to where rates are at the time. No matter how high rates go, you won’t pay more than the capped rate. If rates go down, you will have a one time opportunity to “float down” and lock into a lower rate before closing.*** For more information, click here.
More Mortgage Loan Options!
Whether you are looking for the stability of a fixed rate loan or the flexibility of an adjustable rate mortgage, USE Credit Union can help. We now offer a wide variety of products and programs to make home financing as affordable as possible for our members.**** New mortgage products include FHA loans, 40-year loans, interest-only mortgages, and MyCommunity Mortgage, among others. USE Home Loans has also secured a private investor for Jumbo Mortgage Financing up to $1.5 million! Apply today for a pre-approval loan decision!
Leading Edge Self-Service Technology Platform
(My Mortgage Center)
USE's state-of-the-art mortgage loan technology means you can monitor your mortgage through the life of the loan, starting with the application process. Simply establish your own personal user name and password, and you will have access to My Mortgage Center, which is your one-stop for complete mortgage loan information. Watch your loan application. View your appraisal. See loan requirements. Confirm funding dates. Make payments. View your mortgage statement. Set up account alerts. Even apply for another loan! My Mortgage Center is your complete solution for a first class mortgage experience!
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Must be owner-occupied, single-family residence or 1-4 story condominium in California only. †A member must provide a complete, system-generated Good Faith Estimate, listing a specific lender's name, that is dated the same day as the rate quoted by us. If such Good Faith Estimate indicates an equivalent or lower interest rate and closing costs package, for the same loan program that is offered by us and we have verified the accuracy of the rate and fees listed then we will have the option of beating that lender's total loan costs by $100 or paying the member $750 ($500 for properties located in states other than California) when they close with that lender and provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. Product restrictions apply. ♦Product restrictions apply. To be eligible for the same day pre-approval decision, you must provide us with all requested information, including permission to obtain a credit report. For a same day pre-approval decision speaking with one of our loan officers, such information must be provided by 3:00 p.m. Pacific Time, Monday through Friday. If pre-approved, your pre-approval is valid for 90 days.*Approved, conventional, purchase loans only, using our preferred closing agent. Excludes loans for REO homes. Void when delayed closing is required by law. Closing date to be mutually agreed upon between member and us, and member must provide all required documentation. Timely request for adjustment under guarantee is required. **Consult your tax advisor. ***If the loan is canceled for any reason, we reserve the right to charge a cancellation fee as permitted by state law. Loans may be locked in at a lower rate once a member has signed a contract and is within five to 60 days before closing. Not available on all products. ****Products subject to change at any time. This is not a commitment to lend. Loans subject to credit review and approval. Equal Housing Lender. © 2010. All rights reserved.
