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Let's give your mortgage a whole new look and feel.

Update it with a lower rate, no closing costs, or a shorter term. We can even help you refinance if you owe more than your home is worth.

Why homeowners in Southern California choose us to make it happen:

Competitive rates
Low, flat lender fee
No-closing-cost option
Expert guidance

Whatever the plan is for your home, make it happen with...

  • Competitive rates as low as 6.375%/6.425%APR.1, 2
  • Low, flat lender fees as low as $995.3
  • Financing up to $1.5 million.
  • Flexible terms of 10-, 15-, 20-, and 30-years.
  • Interest only, adjustable-rate (ARM) loans available.
  • FHA, VA, and out of state loans
  • First time buyer program
  • Fast financing.
  • Professional guidance. Learn more.
CU SoCal’s professional and friendly mortgage specialists are ready to answer your questions and show you how refinancing with CU SoCal can be a great way to save money. Get a personalized rate quote by calling us at 800.698.7196, emailing us at HomeLoans@CUSoCal.org, or requesting a callback.

Get 6.375% APR4 With Our Premier 5/5 ARM

Don’t let rising mortgage rates shut you out of the housing market! CU SoCal’s 5/5 ARM (Adjustable Rate Mortgage) has an initial rate as low as 6.375‚Äč% APR for the first five years of the loan, far below current average rates on 30-year fixed rate loans. The 5/5 ARM is our most popular loan right now!

Learn More

Hear from others like you who made it happen.

Service has been great from the time we opened the accounts to refinancing our mortgage.

Barbara, eServices Branch

More Stories

Next steps to make it happen:


Talk with a mortgage specialist.

Discuss your home loan goals and find the right home loan option.
Request a callback


Get your personal rate quote.

See what your home loan rate will be.
Request a callback


Apply online.

Submit your application online to begin refinancing your home.
Apply Now

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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