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Call: (800) 622-3328 or (818) 846-1710   Routing Number: 322274116
 * Accounts
 * Credit Cards
 * Loans
 * Tools
 * The Better Banking Podcast


 * Saving
 * Checking & Debit
 * Certificates
 * Money Market
 * Benefits Plus®
 * Investment Services with EnJoy Financial
 * Business Banking
 * Independent Advantage

BANK WITH US

Gain better rates, low or no fees, and superior member service. Join Now
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 * Find a Card
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 * Auto Loans
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 * Personal Loans
 * Home Equity
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GET A LOAN

Any time, day or night! Apply Online
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HOME LOANS



Getting a loan to purchase or refinance a home is easy and convenient with our
one-stop online mortgage service.




30-Year Fixed Conforming

APR1 as low as

6.973%

Apply Now



1 APR = Annual Percentage Rate





20-Year Fixed Conforming

APR1 as low as

6.876%

Apply Now



1 APR = Annual Percentage Rate





15 Year Fixed - Conforming

APR1 as low as

6.653%

Apply Now



1 APR = Annual Percentage Rate









5/5 ARM - Conforming

APR1 as low as

7.201%

Apply Now



1 APR = Annual Percentage Rate

5/6 ARM - Conforming

APR1 as low as

7.354%

Apply Now



1 APR = Annual Percentage Rate

5/5 ARM - High Balance

APR1 as low as

7.430%

Apply Now



1 APR = Annual Percentage Rate






SIMPLE AND SECURE APPLICATION PROCESS

We took the complicated process of applying for a home loan and created a simple
and secure online application system. The process takes about 20 minutes to
complete and once you submit your completed application, you'll get a decision
by the next business day.

And best of all, there is NO COST TO APPLY!



Apply for a Mortgage Online










THE BETTER BANKING PODCAST: THE INSIDE SCOOP ON HOME LOANS





This is just one episode of The Better Banking Podcast. Download all episodes to
hear more!

The Better Banking Podcast

Subscribe on Apple Podcasts
Subscribe on Google Podcasts
Follow us on Stitcher
Follow us on Spotify

30-Year Fixed Conforming

APR1 as low as

6.973%

Apply Now



1 APR = Annual Percentage Rate






ADJUSTABLE RATE MORTGAGES (ARMS)

Adjustable Rate Mortgages (also known as ARMs) are popular because they can lead
to lower rates and lower monthly payments. And though rates can change, there
are limits on how much and how often, which gives you the flexibilty you need to
get into your new home. 

Compare rates at GainFCU.com/Rates and decide which is right for you!

Questions? Connect with our Home Loan concierge at (818) 846-1710, visit a
branch, or apply using our Online Mortgage Center.










MORTGAGE CENTER

Still exploring the ins and outs of home buying? Our mortgage center is packed
with useful tools to guide you along the way of your home buying journey. It's
the place to check out the latest rates, peruse a helpful host of FAQs, connect
to a Loan Advisor, or dive into our suite of calculators to plan your home
buying budget. And when you're ready to apply, it can take care of that too!

Visit Our Mortgage Center








MAKING YOUR MORTGAGE PAYMENTS IS EASY!

We offer a number of ways to pay your mortgage:

 * Transfer your payment in Online Banking.
 * Set up automatic transfers. 
 * Send us a check in the mail.

You choose the method you prefer!




FREQUENTLY ASKED QUESTIONS



 * What is the difference between an appraisal and an inspection, and what is
   required?
   
   
   An appraisal is an estimate of the market value of the home that you are
   buying and is accomplished by comparing your home to several homes like it
   that have sold in the last 6 months or so. An appraisal of the home you are
   buying will be required by your lender.
   
   A home inspection is a more detailed analysis of the home that you are buying
   and may include items such as appliances, electrical systems, heating and air
   conditioning, structural integrity, etc. An inspection is generally not
   required unless the appraiser notes obvious problems with these areas, but is
   always a good idea if you are buying a previously owned home.

 * What are points?
   
   
   Points are finance charges paid by the borrower at the beginning of a loan in
   addition to monthly interest. Each point equals one percent of the loan
   amount.  By paying these "points," your interest rate is lowered for the life
   of the loan.

 * How much will my monthly payments be?
   
   
   Your monthly payments are broken down into principal/interest, PMI (Private
   Mortgage Insurance), taxes, and insurance. The principle and interest portion
   of your payment is based on your loan amount, your interest rate, and the
   term (length) of your loan. PMI is a monthly fee that is required if you put
   less than 20% down.  Taxes and Insurance refer to the monthly (annual divided
   by 12) cost of your property taxes and homeowners insurance.Be sure that you
   understand and are comfortable with your total monthly payment (what you will
   write a check for each month) before deciding to purchase a home.

 * If the sellers are not paying my closing costs, then how are they paid?
   
   
   If the sellers are not paying for your closing costs, then you are
   responsible for paying these at closing. You will be given credit for
   anything that you have already paid ($350 is typically paid in advance for
   credit report and appraisal, and your first year of homeowners insurance is
   purchased in advance) prior to closing but will need to provide the
   remainder, along with any down payment you may have, in the form of a
   certified check made out to the title company.

 * Can the sellers pay for my closing costs?
   
   
   Yes, it may be possible for the sellers to pay for most or all of your
   closing costs, provided that you have satisfied the minimum down payment
   requirement of 3%.

 * What are closing costs and how much are they?
   
   
   Various fees and expenses payable by the seller and buyer at the time of a
   real estate closing. Costs may include: commissions, title insurance
   premiums, recording fees, inspection and appraisal fees, etc.

 * How much do I need as a down payment to qualify?
   
   
   Down payment amounts can vary anywhere from 3%-10%. On average lenders
   require 5% down.

 * What is a pre-approval and why do I need one?
   
   
   A mortgage pre-approval is an important part of the home buying process.
   Potential home buyers should contact a lender they trust to handle this
   important step. The lender will need a 2 year history of residence and
   employment, checking/savings/retirement information, and detailed information
   on your income just to name a few. Most sellers will want a potential buyer
   to be pre-approved.








HASSLE FREE AND FLEXIBLE

 * Fixed rate and adjustable rate mortgages
 * Flexible terms available. 10, 15, 20 and 30-year terms
 * Purchase up to 97% loan-to-value
 * Refinance no cash-out up to 95% loan-to-value
 * Refinance with cash-out up to 80% loan-to-value
 * Single Family Residences, condominiums, and PUDs only
 * Vacation homes and investment properties
 * We finance homes in CA, AZ, NV, CO, OR, ID, UT and WA
 * And did we mention there are no application fees? NONE!


IN PERSON

Come into the branch at 1800 West Magnolia Boulevard and speak with a mortgage
professional today.


FAX

Need to send documents?

You can fax them to our Home Loan department at (818) 524-1682.

For loan demands and payoffs, you can fax them to our Loan Servicing Department
at (818) 524-1681.


QUESTIONS? NEED MORE INFORMATION?

Fill out this quick form and we'll get back to you.

Contact Us

Avoiding Foreclosure



Table data for Mortgage Rates
 Effective 2/13/2023
Loan Type Rate As Low As APR As Low As1 Points Monthly Payment Per $1000
Borrowed Alert Me 30-Year Fixed - Conforming 6.875% 6.973% 0.000% $6.57 Receive
a notification when this rate changes

30-Year Fixed - High Balance 6.875% 6.948% 0.000% $6.57 Receive a notification
when this rate changes

20-Year Fixed - Conforming 6.750% 6.876% 0.000% $7.60 Receive a notification
when this rate changes

15-Year Fixed - Conforming 6.500% 6.653% 0.000% $8.71 Receive a notification
when this rate changes

10-Year Fixed - Conforming 6.375% 6.587% 0.000% $11.29 Receive a notification
when this rate changes

5/5 ARM - Conforming2 7.000% 7.201% 1.000% $6.65 Receive a notification when
this rate changes

5/5 ARM - High Balance2 7.250% 7.430% 1.000% $6.82 Receive a notification when
this rate changes

5/6 ARM - Conforming2 7.250% 7.354% 0.000% $6.82 Receive a notification when
this rate changes

Loan rates are based on term and applicant credit history. All loans are subject
to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal
Credit Union policies and procedures. Rates are subject to change without prior
notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada,
Oregon, Utah, and Washington. No prepayment penalty.
 * 1APR = Annual Percentage Rate↵
 * 2ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and
   the Annual Percentage Rate (APR) may increase after the initial fixed rate
   period.↵





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   1800 West Magnolia Boulevard
   Burbank, CA 91506
   ©2024 Gain Federal Credit Union | Phone: (800) 622-3328
   Routing Number: 322274116
   NMLS #407810
   

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