• 95% financing available on fixed and adjustable mortgages with mortgage insurance
  • Save money and refinance your current home loan
  • Use the value in your home with a Home Equity Loan

Home Loan Rates

Calculators

Get A Great Home Loan

When you're making the largest investment of your life, you want to do it right! Our friendly and knowledgeable staff will guide you through every step of the way ensuring you make a sound decision.

Step 1. Pre-qualify for your home loan. Shop knowing exactly what you can afford - and be ready to make an offer when you find the right home.

Pre-Qualify For A Home Loan

Step 2. Apply for the loan. Fill out the quick and easy approval home loan application, or give us a call at 858.217.2470.

Easy Home Loan Application

Get a cash rebate next time you buy or sell a home

Cabrillo is helping roll out the red carpet to your new home with a special program that gives you a cash rebate when purchasing or selling a home. We’ve partnered with local agency Berkshire Hathaway Home Services California Properties, San Diego’s largest real estate company, to offer you cash back when one of their participating agents helps you buy or sell your home.

How much is the rebate?
Your rebate is equal to 20% of your agent’s commission, which is usually paid by the seller. For example, if you purchase a $500,000 home, and your agent’s commission is 3%, then you will receive a rebate of $3,000* shortly after your transaction closes.  If you’re selling your current home and buying a new home, you will receive rebates on both transactions!

Expanded Real Estate Department
Our partnership with Berkshire Hathaway Home Services California Properties is in addition to our mortgage offerings of 10, 15, and 30-year loans. More than just financing the home of your dreams, this enhanced partnership can now pre-approve you for a mortgage and help you find that specific home. It’s a simplified process that benefits our members, plus puts cash in your pocket with the Real Estate Rebate.

How do I get started?
Get Pre-Approved – Call our Mortgage Department at 858.217.2470
Find an Agent – Call Berkshire Hathaway Home Services California Properties at 800-462-7454 to register in the Rebate Program. You will be referred to a participating agent in your area and must close your escrow with that agent to be eligible for the rebate.

*Sample rebate based upon a 3% commission to buyer’s agent. Commissions vary per transaction. Rebates are paid on the “action” side of the transaction only (buyer or seller side commission).To be eligible for the rebate you must not currently be working with a Berkshire Hathaway HomeServices real estate agent, or under a buyer broker contract with an agent from another real estate company, or already be under contract on a property.  Minimum sale price $125,000.  Please speak with Berkshire Hathaway Home Services California Properties for details. Some restrictions apply. All mortgage loans on approved credit. Participation in the rebate program is independent of where you obtain your mortgage. Berkshire Hathaway Home Services California Properties and Cabrillo’s Mortgage Department are independent services from each other, and their combined use is not required to obtain a loan or a rebate. Rates subject to change. Mortgages available for properties located in California only. Cabrillo Credit Union is an Equal Housing Lender.
 

Refinance Your Current Home Loan

Save money by refinancing your current mortgage with Cabrillo. Just email our mortgage department with information on your current loan and we'll give you a custom rate quote. Or you can target the rate that you are interested in obtaining and we will automatically email you when it's available!

Using The Value In Your Home

Access the equity you have in your home. Our traditional Home Equity Loan is available in two ways:

  • A Home Equity Loan - A one-time, lump sum, loan using the equity in your home as collateral. This type of loan is typically used for one-time events such as a major home renovation project or to pay off outstanding high-interest debt.
  • A Home Equity Line of Credit - This is a revolving loan with a variable rate. Like a traditional home equity loan, a line of credit taps into the equity in your home, but can be used on an ongoing basis. If you’re wanting to make continuous upgrades to your home, especially over a long period of time, a Home Equity Line of Credit (HELOC) is a more efficient way of managing your home’s equity. You can also apply for the loan and have the money available when you need it for financial emergencies.

Apply for Line of Credit

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