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    Tech CU 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 Tech CU 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 lender fees on all Adjustable Rate Mortgage refinances -- a $1,045 savings!**

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

    Apply Online >>

    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


    * Quick-Close Guarantee available on detached single family purchase transactions only. Refinances are not eligible. 10-day close is for the purchase of a primary home in California and this is dependent on the borrower and third parties providing the credit union the required information to fund the loan. If the borrower and third parties provide Tech CU with all required information on time and Tech CU does not fund the loan in 10 business days (from application to close), Tech CU will give a $500 gift card to the borrower. $500 gift card not redeemable for cash. Tech CU is not responsible for replacing lost or stolen gift cards. All loans require Tech CU membership and credit approval. Additional conditions and restrictions may apply. To qualify for the offer and for more details, you must advise your Mortgage Consultant that you are requesting a 10 day close.

    ** $500 fee required with application.  Tech CU will waive other internal origination fees and refund application fee at escrow for total savings of $1,045.  $500 application fee is non-refundable if loan does not fund.  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 June 30, 2014 and funded by July 31, 2014. 

    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