Home Loans

*30-year fixed home loan has a fixed rate of 2.75%/2.81% APR. 5/1 ARM with a 30-year term has an Initial Start Rate of 1.99%/2.14% APR. The ARM Index is based on the 1-Year US Treasury Bill rate with a Minimum and Maximum Rate of 2.29% and 7.29%, respectively. The ARM Margin is 2% to 5% depending on creditworthiness. This ARM will first adjust at the beginning of the 61st month of the loan and will thereafter subsequently adjust every 12 months; Maximum limits on interest rate changes are 2% on the first-rate change and 2% on subsequent changes. This ARM has floor rate of 1.99% and a cap rate of 7.29%. Rates shown are for 45-day locks on purchase or refinance of a single-family primary residence; 75% LTV, full doc, with FICO score(s) of 730 plus. Conforming APR based on a $400,000 loan amount with a monthly principal and interest payment of $1,476.48 for a 5/1 (30-year) ARM or $1,632.96 for a 30-year fixed rate loan. Possible rate adjustments for loan amounts exceeding $625,000. All loans are subject to approval; and rates, terms, and conditions subject to change. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. LTV = Loan to Value. 1.99% 5/1 rate and 2.75% 30-year fixed rate is for loans with 75% LTV or below. Rates listed above are subject to change at any time and is our preferred rate for FICOs 730 and above. Contact Edwards FCU Lending Department for current rates. All loans made subject to credit worthiness and income and property verification. Additional rates and terms are available. Edwards Federal Credit Union is an Equal Housing Opportunity Lender.

If you’re interested in refinancing or purchasing a home, the time is NOW.

Call and see what we can do for you: 661.952.5945

We do EVERYTHING mortgage.

At Edwards FCU, we’re committed to helping our members achieve the stability that smart home ownership can provide. Our staff works with members who want to set goals to prepare for home ownership. We encourage members to keep payments manageable to protect assets, plus Edwards FCU works with current homeowners who want to use the equity in their homes to plan for education costs, home improvements, and much more.

We can assist you with:

  • First-Time Homebuyer Programs
  • Conventional, FHA and VA Loans
  • Fixed and Adjustable Rate Loans
  • Refinance your current mortgage from another lender to lower your payments and save
  • Financing available for owner-occupied and investment properties
Apply for a Mortgage

You can Apply Now for a home loan. Or for more information about our mortgage lending options, contact our Real Estate Lending Professionals at 661.952.5945.

*Rate shown above are available on owner-occupied detached single family home purchases and cash or no-cash out refinance mortgage loans for homes located in California with a maximum 75% Loan to Value (LTV) for borrowers with excellent credit. LTVs greater than 75% and other conditions such as credit score, attached condo, 2-4 unit properties, will result in a rate pricing adjustment that will increase the interest rate and/or APR available to you.  APR = Annual Percentage Rate. All advertised rates are subject to change at any time without prior notice.  Estimated Payment for this promo is $476.84 per $100,000: This payment amount includes only Principal & Interest.

For more information on these and other mortgage loan programs contact an Edwards Real Estate Loan Specialist at 661.952.5945

  • Flexible terms up to 180 months.
  • Low rate and low monthly payment.
  • Enjoy fixed rates and a fixed payment option.
  • Borrow up to 80% of your loan to value.
  • Tax-deductible interest.
Apply for a Loan

All loan rates and terms are subject to credit worthiness and approval. Rates and Terms may change at any time. Edwards Federal Credit Union is an Equal Opportunity Lender.

  • Low rate and low monthly payment.
  • Low variable rates.
  • No points or closing costs.
  • Easy-access to your HELOC funds through Online Banking and CALL-24.
  • Borrow up to 90% of your loan to value.
  • Tax-deductible interest.
  • Minimum advance is $500.00 (Initial advance must be at least $10,000).
Apply for a HELOC


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