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We realize that 30 years is a long time.

And, if you're like most home owners in southern California, there’s a good chance you will move, refinance, or pay off your mortgage in the next 10 years. Make the most of every penny by selecting our hybrid mortgage option that gives you the stability of a fixed-rate mortgage with the savings of an adjustable-rate mortgage.

Why home buyers and owners choose CU SoCal's 5/5 ARM Equity Boost Hybrid Mortgage to make it happen:

Build equity faster
Pay off mortgage sooner
Save tens of thousands of dollars in interest
Lower monthly payment

Whatever the dream is for your home, make it happen with:

  1. Low 2.500%/3.650%APR.1
  2. Flat $995 origination fee.2
  3. Low 5% down payment depending on the loan amount.3
  4. Rate adjusts every 5 years.
  5. Rate adjustments are capped to keep your mortgage affordable.
Our team of professional and friendly mortgage specialists are available to help every step of the way — even after hours and on weekends. Call us at 866.698.7196, email us at HomeLoans@CUSoCal.org, or request a callback.


How it works


No changes for the first 5 years

Your low payment stays the same for the first 5 years of the loan.


2% adjustments after 5 years

After 5 years, your rate may adjust up or down by 2%.


No increases greater than 5%

The rate will never increase more than 5% above the initial rate for the life of the loan.

Save thousands with CU SoCal Home Rewards.

Sell your home for a flat 1.5% listing fee4 and receive a 20% commission rebate when you buy a home5.

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Hear from others like you who made it happen.

We were surprised how quickly we got our home loan. The staff at CU SoCal were very helpful and explained the details of our home loan thoroughly.

Connie & Edward, Members since 2009

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


562.698.8326 | 866 CU SoCal Se Habla Español