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When you finance your home through Spectrum Credit Union, you get access to customizable solutions and competitive interest rates that fit your needs.

Buying a home is a life-changing experience. Whether it’s your first home purchase or a retirement home purchase, the excitement is truly one of a kind.

Member experiences:


Dementrus D.


"Ms. T was professional in every way …  explained everything, great service. I would recommend the Credit Union to everyone."


Elba V.


"Great service from beginning to end. Michael S. was extremely patient answering all my questions through the process. Thanks so much!"

Mortgage types

Fixed-rate mortgages
With a fixed-rate mortgage, your payment will not change over the course of your loan. Your interest rate is set at the outset and can’t go up or down. We offer fixed-rate mortgages in 30, 20, 15 and 10-year options. 

Adjustable-rate mortgages
An adjustable-rate mortgage (ARMs) offers a lower initial interest rate and, consequently, a lower monthly payment. Your interest rate and your payment typically increase as time goes on. We offer ARMs in 15 and 30-year terms, and we provide an initial fixed-rate period of 3, 5, 7, or 10 years before the first rate adjustment.

Jumbo mortgages
A jumbo mortgage allows you to borrow more than $548,250*, the most common maximum limit of conventional conforming lenders. We help you find a jumbo loan package to fit your needs.

Learn more and get started

Spectrum Credit Union is committed to helping you make sound financial decisions and helping you find the best mortgage product for your individual needs. Follow the links below to view rates, calculate costs, and apply.

More information

Our Mortgage Relationship Managers are here to help you every step of the way. Please call our Home Loan Help Desk at 888-750-4124. For those outside the U.S., call 510-251-6010. 

To check your pending application status, simply log in to your existing application.

Contact our Home Loan Help Desk

How can we help you today?

* Limits will vary depending on your county.


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If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.