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With WPCCU your possibilities are endless! 

WPCCU is dedicated to powering your future by providing you with a great home loan.  Whether you are a first-time homebuyer, purchasing a larger home, or improving your current one, WPCCU has a home loan for you.

Fixed Rate Mortgages

Conforming and Jumbo Fixed monthly payments Interest rate and principal and interest payments remain fixed over the life of the loan Applicable for owner-occupied, one to four unit residential properties and non-owner one to four unit investment properties in California Loans for condominiums, manufactured and vacation homes

Adjustable Rate Mortgages (ARMs)

Conforming and Jumbo More home for your money Payments that make qualifying easier with low initial rates Initial fixed interest rate for 1, 3, 5, 7 or 10 years Low starting rates mean reduced initial payments, allowing you to purchase more home for your money

Smart Home Buyer Service

Whether you are a first-time homebuyer, purchasing a larger home, or improving your current one, WPCCU has a financing plan to help create your own lifetime of memories.  

Receive a cash rebate equal to 25% of your agent's actual commission when escrow closes on your purchase or sale of a new home. If you buy and sell a home through this program, you will earn a cash rebate on both transactions. For more information, please visit the SMART Home Buyer Service center.

Community Mortgage Funding (CMF)
Our real estate department, CMF, is a fully licensed mortgage company formed by WPCCU and four other leading credit unions whose sole purpose is to offer you, our member, the best selection of mortgage products available.  CMF provides high quality service, an open, honest atmosphere, and competitively priced products. 

CMF has programs for:

• First-time and move-up home buyers
• Condos, manufactured homes, second homes or investment properties
• Excellent or less than perfect credit
• Fixed or adjustable rate loans 
• Cash-out refinance mortgage

Buying or refinancing a home? Call (800) 300-9728 and speak to WPCCU's mortgage loan officer today  or apply online 24/7.

Homeowners Insurance
Save time and money when shopping for insurance. WPCCU now offers homeowners insurance through California Insurance Specialists.  Call at 800-436-2113 to find out how much you can save!  

*The Annual Percentage Rate can change quarterly on January 1, April 1, July 1 and October (the Change Date). The maximum ANNUAL PERCENTAGE RATE is 15.00%. The minimum ANNUAL PERCENTAGE RATE is 4.750%.