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Types of Loans

30-Year Fixed Rate Home Loan
If you're looking for a competitive rate, with payments that remain constant throughout the full term of your loan, then a Fixed Rate Home Loan is right for you. You'll enjoy the stability of a fixed interest rate, and payments that are amortized over the full term. You'll know exactly what your monthly payments will be, and when you'll own your home outright.

Don't forget to ask us about additional fixed rate options, like our 40-Year Fixed Rate Home Loan. 

15-Year Fixed Rate Home Loan
If you'd like the payment stability of a fixed rate loan, but want to pay off your loan faster, then a 15-Year Fixed Rate Home Loan might be the choice for you. Payments are amortized over a 15 year period. Your payments remain the same - and your loan is paid off faster. This loan is great for homeowners with a little more equity, looking to own their homes outright.

Adjustable Rate Mortgages (5/1 ARM, 7/1 ARM, 10/1 ARM)
These ARMs can offer the best of both worlds: the lower interest rates typically found with ARMs AND a longer fixed rate period than standard ARMs. These loans are preferred by homeowners that are expecting to move to a larger home, or to refinance in the shorter term, and by some first time home buyers because rates are typically below fixed rates.

Home Equity Loans and Lines of Credit
Whether you're looking to finance a specific home improvement, or are looking for a way to cover ongoing college expenses, putting the equity in your home to work for you is easy with us. Choose between fixed or adjustable rates for a set amount, or access a convenient line of credit by card or by check. The choices are almost limitless, and with the lower rates and fees you've come to expect from First US., you'll know you'll get a great deal. Just click Contact Us at the top of the page to find out how to speak with one of our Real Estate professionals today.


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First U.S. Community Credit Union NMLS #440466
580 University Avenue, Sacramento, CA  95825
Toll Free:  (800) 556-6768
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