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Today's Featured Rates Fixed Rate - Conforming 30 Year Fixed Rate  Rate  APR  Points  5.000%  5.163%  1.250% 15 Year Fixed Rate  Rate  APR  Points  4.375%  4.652%  1.250% 5 Year Adjustable Rate  Rate  APR  Points  4.750%  3.838%  1.000% Fixed Rate ’ High Balance 30 Yr Fixed High Balance  Rate  APR  Points  5.250%  5.397%  1.000% 15 Yr Fixed High Balance  Rate  APR  Points  4.750%  5.037%  1.250% Home Equity 15 Year Fixed Second Trust Deed  Rate  APR  Points  7.490%  7.779%  0.000% Home Equity Line of Credit  Rate  APR  Points  4.000%  4.000%  0.000% Interest-Only Home Equity Line of Credit  Rate  APR  Points  4.000%  4.000%  0.000%

Apply Now! Apply now, and we'll instantly review your application. Finish Applying We've saved your info, so you don't have to start over again! Resources APR, PITI, ARM - what's it all mean?  Get answers here. Home Equity Put your home to work for you with a Home Equity Loan or Line of Credit.   QUICK QUOTE To see a sample of the rates available today, use this Quick Quote form. Loan Purpose  PurchaseRefinance Existing BalanceRefinance with Cash OutHome Equity State  Select a StateCalifornia City   County  Select A CountyAlameda Alpine Amador Butte Calaveras Colusa Contra Costa Del Norte El Dorado Fresno Glenn Humboldt Imperial Inyo Kern Kings Lake Lassen Los Angeles Madera Marin Mariposa Mendocino Merced Modoc Mono Monterey Napa Nevada Orange Placer Plumas Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara Santa Clara Santa Cruz Shasta Sierra Siskiyou Solano Sonoma Stanislaus Sutter Tehama Trinity Tulare Tuolumne Ventura Yolo Yuba Loan Amount   Home Value   Assumptions       We’ll watch rates for you! Whether you’re looking for a specific rate or just want to track our rates, you can keep up-to-date by signing up for our email Rate Watch service. Shopping Around For A Mortgage? Click here to get the inside scoop on how to do it right! USE Credit Union Commitment: USE Credit Union is a “Total Cost Lender” that is committed to helping borrowers make informed mortgage decisions. We offer a free side by side comparison of up to four loan programs so you can determine the true cost and benefits of each program. Please click here to view a sample of our loan comparison.