Mortgage Loans

Right now, it's just a nice house. We'll do everything possible to turn it into your next home sweet home.

Let us help you make your big move

House-hunting can be exciting. But choosing the right mortgage? That can leave anyone with sweaty palms. Our experienced lending team is ready to clearly explain all the options and work with you every step of the way.

To schedule an appointment with our Mortgage Loan Officer, call Vahan at 626-445-0950 ext. 6236.

NMLS #681615


Interest Rates Certified by Datatrac

Calculate Your Savings

Get the lowdown on all our loan types

Just as the San Gabriel Valley has dozens of housing styles to choose from, Foothill Credit Union offers many attractive mortgage options. As you go about making your choice, here is some information that might prove useful:

  • Our conventional loans require a down payment of at least 3-5%
  • The maximum loan amount for a conforming loan is $1,149,825. That number can vary on a county-by-county basis.
  • Jumbo loans require a 20% down payment for a maximum loan-to-value of 80%. The maximum Jumbo loan amount is $1 million.
  • To schedule an appointment with a Mortgage Loan Representative, call 626-445-0950 ext. 6236.
Apply Today View Rates

When you're buying a home, you're looking for solid construction. When you're choosing a loan, you might also want something built for the long haul. With a fixed-rate mortgage, your payments will never rise, making it much easier to plan your financial future.

  • Choose loans of 10, 15, 20 and 30 years
  • Affordable rates and low closing costs
  • Shorter term loans come with higher monthly payments, but allow you to reduce debt and create equity more quickly
  • Mortgage interest payments are often tax-deductible. Consult your tax advisor.
  • Jumbo Loans available for mortgages over the conforming limit

It's no secret that housing can be expensive. But it's possible to cuts costs and still get that place you really love. With an ARM, you enjoy a lower initial interest rate, which holds down monthly payments and buys you time to rebuild your savings.

  • Pay a lower interest rate for a certain number of years
  • When the introductory period ends, the rate may be adjusted periodically
  • Loan caps limit the size of rate increases in any one year or over the life of a loan
  • Good choice if you plan to move again in a few years or you expect your household income to increase
  • Refinancing options available

You love your home. But your loan could be better. Talk to one of our lending professionals about how you might shrink your monthly payments, eliminate your debt quicker, or leverage extra cash for home improvement projects and other needs.

  • Adjustable-rate and fixed-rate refinancing loans available.
  • If interest rates have dropped, you may be able to save hundreds or thousands of dollars by switching to a mortgage with a lower rate.
  • You might want to reduce your loan repayment period - perhaps from 30 to 15 years - in order to reduce your total interest charges and eliminate your debt more quickly.
  • If you have accumulated equity in your house, you may qualify for a cash-out refinance to consolidate debt or do home improvements.

Get up to $1,000 off Your Closing Cost

Get $750 off your closing cost

There's an easy way to save more money on your Foothill mortgage. When you complete our three financial literacy modules within our mortgage playlist (each taking 6 minutes or less), we'll take $750 off your closing costs*. Modules include:

  • Considering Homeownership
  • Buying a Home
  • Mortgages

Get another $250 off

Watch our Home Buying Webinar video, complete the form at the end, and we'll take another $250 off your closing cost.

Contact a Mortgage Representative

  • First Name is a required field
  • Last Name is a required field
  • Are you a Foothill member? is a required field
  • Best time to contact you? is a required field
  • Phone Number is a required field
        • How can we help you? is a required field
        • reCAPTCHA is a required field

        Hear What Our Members Are Saying

        "Foothill Credit Union has been great! They have wonderful customer service within all the departments. I have experienced their loan department with no hassles at all. They also have great ideas to help with savings and financing."

        - Carie N.

        Digital Payments

        Make quick, secure and touch-free payments online or in stores with your mobile device – all with the peace of mind.

        Get Started

        Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.