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Home Equity/Real Estate Rates

1st Mortgages
Rate Financing Fixed Initial Terms Maximum Amt Terms
Adjustable and Fixed Up to 90% 1,3,5,7, or 10 years Up to $1,000,000 Flexible
Call Members Loan Services at 858.217.2470 or visit www.membersloanservices.com. To obtain a custom rate quote click here.

Other Terms

90% financing available on fixed and adjustable mortgages with mortgage insurance. The APR for adjustable rate mortgages is based on the 1 year Constant Maturity Treasury rates available on the 15th of each month. Rates will not adjust more than 2% per year and will never exceed 5% over the initial rate of the loan. Mortgages available for properties located in California only.

Home Equity Line of Credit
Loan Amount Term Rate Rate
Up to $100,000 Up to 180 months Variable 3.99%*

Other Terms

Rate can adjust monthly, but will never increase or decrease by more than 2% per year and is limited to a maximum interest rate of 10% greater than the initial rate. Minimum interest rate is 3.99%. Loan offers a 10 year draw period and a 15 year repayment. Balloon payment due on any unpaid balance at maturity date. 80% LTV maximum. Property must be in California. Please consult your tax advisor for possible tax benefits. Rate includes a 0.25% Direct Deposit/Transfer from a Cabrillo Checking or Savings Discount. Rates subject to change. A Home Equity Line of Credit (HELOC) is a loan on your home and the amount of the loan is determined by the equity available.

* APR = Annual Percentage Rate. Rate is tied to Prime as posted in the Wall Street Journal on the first day of each month.

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