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    Home Mortgage Loans

    Tired of how long it takes a big bank to process your loan? Searching for a local lender who understands the Bay Area real estate market? Partner with us to finance your home.

    We also offer a Quick-Close Guarantee. If we don't close your purchase loan in 10 business days, you'll receive a $500 gift card!*

    Thinking about refinancing? We offer a variety of terms and cash-out options to fit your needs. 

    And, for a limited time only, take advantage of no loan origination fee on all Adjustable Rate Mortgage refinances -- a $500 savings!**

    Contact a Tech CU Mortgage Consultant for friendly, one-on-one service at a time and place that's convenient for you.


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    Compare Mortgage Types
      Adjustable-Rate Mortgages Fixed-Rate Mortgages
    At a Glance These loans maintain a fixed interest rate for an initial period, then adjust annually thereafter. Both the rate and payment amount stay the same throughout the life of the loan.
    Rates A lower start rate in the early years of your loan for increased buying power. Fixed rate throughout the life of the loan.
    Rate Changes Rate caps provide protection from rate fluctuations. Unchanging rate throughout the life of the loan.
    Payments Fixed payments for the initial period provide stability, while still offering many of the same benefits as an adjustable rate loan. Fixed payments make budgeting and planning for the future easier.
    Terms 30-year term with rate adjusting once annually (1-year ARM) or with rate fixed for the first 3 years (3/1 ARM), 5 years (5/1 ARM), or 7 years (7/1 ARM) and then adjusting annually thereafter. Choose from a variety of terms to fit your needs.
    Recommendation Best for those planning to sell or refinance in 3-7 years. Best for those planning to own a house long term.

    View Adjustable-Rate Mortgages

    View Fixed-Rate Mortgages


    * 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.

    ** $500 application fee required with application and is non-refundable if loan does not fund. Tech CU will waive the loan origination fee of $500. All other Third Party Service Provider fees will apply. Offer applies only to single family, owner-occupied transactions in California and cannot be combined with other offers. Offer applies to adjustable rate mortgages only for applications received by February 28, 2016 and funded by April 30, 2016.

    All loans require Tech CU membership, credit approval and you must meet security requirements. SAFE Act Compliance Notice: Technology Credit Union complies with the registration requirements established by the Safe and Fair Enforcement for Mortgage Licensing Act (SAFE Act) for registration of its residential Mortgage Loan Originators. To obtain information on Technology Credit Union employees who are registered with the Nationwide Mortgage Licensing System and Registry, please log into the registry website at