Home Loans

When you're in the market to buy a home or refinance your existing home loan, make USE your first stop! We offer home-buying solutions to fit every lifestyle. We offer a variety of Fixed Rate Mortgage and Adjustable Rate Mortgage (ARM)options, including the E-Z Qualificaiton My Community Mortgage^TM.

Just a Few of the Benefits of a USE First Mortgage:

• 45-day rate lock
• No Pre-Payment Penalty
• Loans from $50,000 to $1.5 million

Free Mortgage Analysis - $75.00 Value!

Whether you're purchasing a home or refinancing your current mortgage, play it smart with a FREE Mortgage Analysis from USE Credit Union. There's no obligation, and you can use the results to ensure you get the home loan that's right for you.

• Tells you how much home you can afford
• Mortgage comparison for current homeowners
• How to be debt-free at retirement
• Free interest rate alerts via e-mail

Personalized Service to Help You Every Step of the Way:

Our Home Loan Specialists are ready to help in any way they can! Each has a personalized Website with helpful information regarding Home Loans. These sites provide the following services online, anytime:

• Check current mortgage rates
• Sign up for "Rate Watch" - an email notification system that alerts you when the rate you specify is available
• Apply for a Mortgage Loan
• Check on the status of your loan
• Access payment calculators and other valuable resources
• Contact the Loan Officer in your area via phone or email!

Click on the link below for the Loan Officer nearest you!

Branch	Loan Officer	Loan Officer Website
Northern California
Berkeley	Richard Ruiz	www.ruizrichard.com
Davis	Shelley Duckart	www.shelleyduckart.com
Davis	Tammy Crewdson	www.tammycrewdson.com
Davis	Chris Majestic	www.usecu.org/cmajestic.html
Southern California
Branch	Loan Officer	Loan Officer Website
Carmel Mountain	Cher Stingo	www.chervargasstingo.com
Carmel Mountain	Cynthia Reyna	www.cynthiareyna.com
Chula Vista	Ruben Madrigal	www.rubenmadrigal.com
La Jolla	Betty Madamba	www.bettymadamba.com
La Jolla	Joanne Field	www.joannefield.com
La Jolla	Kathleen Dallas-Orr	www.kathleendallasorr.com
La Mesa	Harold Cleeton	www.haroldcleeton.com
La Mesa	Sean Averill	www.seanaverill.com
Mission Valley	Donald Coleman	www.donaldecoleman.com
Mission Valley	Tom Holewinski	www.tomholewinski.com
SDSU	Donald Coleman	www.donaldecoleman.com
SDSU	Nelson Goncalves	www.nelsonbgoncalves.com
SDSU	Deborah Etchings	www.debbieetchings.com
All of California
All Areas	Loan Call Center	www.usecu.org/loancallcenter.html

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Access to Great Home-Buying Resources:

• Home Loan Calculators
• Home-Buying Seminars
• Rate Watch Service
• Track Your Loan Progress

To learn more or to get started today, click here!

Important Disclosure Information:
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. Your rate may be higher. Interest rates on "special situation" programs may be higher. Please consult your tax advisor for IRS guidelines on the deductibility of interest payments. USE is an Equal Housing Lender. Financing available for California properties only. Property restrictions may apply. Property insurance required. Comprehensive fire and hazard insurance required. Flood insurance may be required. Mortgage insurance required on loan-to-values greater than 80%.

The closing costs, monthly payments, and annual percentage rates listed by the calculators in response to your inquiries are estimates only. Actual amounts may vary, depending on when you lock in your mortgage rate through a formal application. Interest rates are subject to change without notice. In addition, closing costs and monthly home loan payments may be subject to additional charges and may include certain one-time costs, such as points, private mortgage insurance, and other prepaid costs.

For a more accurate approximation of closing and monthly costs, submit as much information as possible using the online 1st Mortgage Loan application. An experienced USE Credit Union professional will review your information and contact you within 48 hours of receipt of your online application.