Home Loans

Visit Our Mortgage Center for More Information, 1-Minute Pre-Qual, or to Apply!

Current Rates as of 08/14/2020


Loan Program Rate APR Points  
Elite Conf 30 Year Fixed 3.125 3.205 0.500
Elite Conf 15 Year Fixed 2.750 2.894 0.500
Conforming 30 Year Fixed 3.125 3.205 0.500
Conforming 15 Year Fixed 2.625 2.767 0.500
Conf High Balance 30 Year Fixed 3.375 3.447 0.500
Conf High Balance 15 Year Fixed 2.875 3.001 0.500
Jumbo 30 Yr Fixed 3.875 3.946 0.500
Jumbo 15 Yr Fixed 3.375 3.496 0.500

Rates and fees are based upon Single Family House, Owner Occupied, Purchase or No-cash-out Refinance, 30 day rate lock period.

Conforming: $400K / 70%LTV / 700 Credit Score

Conf High-Balance: $600K / 70% LTV / 720 Credit Score

Jumbo: $800K / 70% LTV / 720 Credit Score

All "Elite" Products / 70% LTV / 760 Credit Score

The rates displayed are subject to change without notice.


We also offer a variety of other mortgage loan options to meet your needs.

Contact us for more details

Funding your American Dream begins with Low Rates with a mortgage from OMSEFCU

Whether you are a first-time buyer, upgrading to a new home or refinancing an existing home loan, we provide mortgages with competitive rates that suit your needs. Our mortgage partner, Varris Mortgage Solutions, is here to help you every step of the way.

  • Choose from conventional mortgages, FHA Loans, Jumbo Loans, USDA Loans, VA/Cal/Vet Loans and First-Time Homebuyers' Loans 
  • Borrow funds through a Home Equity Line of Credit
  • Refinance to secure a lower, fixed rate or to cash-out the equity you've built up in your home
  • Consider a reverse mortgage if you are 62 years or older and own your home free and clear
  • Membership discount for homeowner’s insurance 

Contact Our Mortgage Experts Today!

Harris Wong
NMLS #354971
VARRIS Mortgage Solutions
888-9-OMSEFCU (966-7332)
T.  415-209-9500, x102
F.  415-209-9503

Vincent Lucania                     
NMLS# 360333
VARRIS Mortgage Solutions
888-9-OMSEFCU (966-7332)
T. 415.209.9500 ext. 108
F. 415.209.9503

Ready to Apply?

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For assistance or more details on the first and second mortgage loan products available, stop by our office, call our Loan Department at 909-983-1959, option 2 or contact us via our website here.

The Credit Union makes mortgage loans without regard to race, color, religion, national origin, sex, handicap, or familial status.