Home Loans

OMSEFCU has a wide range of home loan products, giving you a choice of adjustable rate or fixed rate home loans to fit just about any budget.

Home Buying just got a lot easier!
If you are looking to minimize your down payment, discover how our 97% loan-to-value (LTV) purchase programs can work for you.

For mortgage information or to apply online, please visit our mortgage partner, American Family Funding here.

First Mortgages
Purchase and Refinance Loans with flexible fixed and variable rates and terms of up to 30 years.

  • Mortgages are available for up to 97% of the property value, for purchase loans.
  • Cash out refinance up to 75% of loan to value.
  • Down payment as low as 3%
  • Use equity in your home to obtain cash to consolidate bills, do home improvements or cover educational expenses.
  • No prepayment penalties

For mortgage information or to apply online, please visit our mortgage partner, American Family Funding [here].

Second Mortgages - Straightforward Home Equity Loans
OMSEFCU's Home Equity Line of Credit program is a straightforward, easy to understand, discounted lending program for our members who want to use the equity in their homes. If you have a more expensive loan, a loan scheduled for future rate changes with another lender, NOW is the perfect time to secure your future by making a change!

  • Extended loan terms from 15 to 20 years!
  • No loan points or annual fees.

Don't wait for summer to start making your home improvement or travel plans! Secure financing now with an OMSEFCU Home Equity Line of Credit. For more details, please contact our Loan Department, or call (909) 983-1959, Option 2.

Fixed and Adjustable rate Home Equity Lines of Credit loans are fully amortized in monthly installments. The loan may be used for a variety of purposes, such as home improvement or a one-time major expense. There is up to 180 months for repayment.

  • Loans are available up to 80% of appraised value less the existing first mortgage
  • Secured by the equity in your home
  • Loan amounts are available up to $100,000
  • Available for single-family, owner-occupied, primary residences
  • No prepayment penalties
  • Fast approval and processing times by our experienced Loan Service Team

The Home Equity Loan or Line makes equity a valuable resource for an immediate financial need, and it allows members to use the cash value in their home.

Apply Now