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    Fixed-Rate Mortgage Loans Up To $3 Million*

    With a Fixed-Rate Mortgage, your rate and payment amount remains fixed throughout the life of your loan, as does your payment amount. 

    Benefits of a Fixed Rate Mortgage

    • Click here for our current loan program options, or ask a Tech CU Mortgage Consultant for details.
    • This is a good option if you plan to stay in your home for more than 7 years, or want stable monthly payments. 
    • Tech CU also offers a Quick-Close Guarantee. If we don't close your purchase loan in 10 business days, you'll receive a $500 gift card!** 
    Fixed Rate Mortgage Options
      10-Year Term 15 and 20-Year Terms 30-Year Terms
    Pre-payment penalty None None None
    No-Cost loan Available Available Available
    Property limitations California, Nevada, Oregon, Washington and Arizona properties: 1-4 unit primary residences or second/vacation homes. 1-4 unit non owner-occupied residences and jumbo loans ($730,000 and over) not available outside California.
    Payment Samples See our Payment Calculator




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    * Contact a Tech CU Mortgage Consultant for information on Jumbo Mortgage loans up to $3 million for terms less than 30-years. 

    ** The Tech CU Quick Close Guarantee (“Guarantee”) is available only on an approved application for a first-position loan used to purchase an owner-occupied 1-4 unit California residential dwelling. Applicant must request the Quick Close Guarantee from a Tech CU Mortgage Consultant at the time of application. Other real estate-secured loans are not eligible. If, due to circumstances within Tech CU’s control, an eligible loan fails to close within 10 business days after Tech CU receives a complete loan application, borrower will receive a $500 gift card. One gift card per loan. No cash substitution. Gift card will not be replaced if lost or stolen. A complete application includes, at minimum, all documents and verifications required of applicant and third parties such as employer, appraiser, title company and HOA; additional documents may, at Tech CU’s reasonable discretion, be required before application package is deemed complete for purposes of the Guarantee.


     No Cost Loans: A No Cost version requires no lender closing costs or third party costs (such as appraisal and title) to establish the loan. No Cost option available on owner-occupied, single family, conforming fixed rate loans only.

    $500 fee required with application.  Rates and terms subject to change without notice. All loans subject to approval. Additional conditions and restrictions may apply. Ask a Tech CU mortgage consultant for details.