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    Fixed-Rate Mortgage Loans Up To $3 Million*

    With a Fixed-Rate Mortgage, your rate and payment amount remains fixed throughout the life of your loan, as does your payment amount. 

    Benefits of a Fixed Rate Mortgage

    • Click here for our current loan program options, or ask a Tech CU Mortgage Consultant for details.
    • This is a good option if you plan to stay in your home for more than 7 years, or want stable monthly payments. 
    • Tech CU also offers a Quick-Close Guarantee. If we don't close your purchase loan in 10 business days, you'll receive a $500 gift card!** 
    Fixed Rate Mortgage Options
      10-Year Term 15 and 20-Year Terms 30-Year Terms
    Pre-payment penalty None None None
    No-Cost loan Available Available Available
    Property limitations California, Nevada, Oregon, Washington and Arizona properties: 1-4 unit primary residences or second/vacation homes. 1-4 unit non owner-occupied residences and jumbo loans ($730,000 and over) not available outside California.
    Payment Samples See our Payment Calculator


    * Contact a Tech CU Mortgage Consultant for information on Jumbo Mortgage loans up to $3 million for terms less than 30-years. 

    ** Quick-Close Guarantee available on single family purchase transactions only. Refinances are not eligible. 10-day close is for the purchase of a primary home in California and this is dependent on the borrower and third parties providing the credit union the required information to fund the loan. If the borrower and third parties provide Tech CU with all required information on time and Tech CU does not fund the loan in 10 business days (from application to close), Tech CU will give a $500 gift card to the borrower. $500 gift card not redeemable for cash. Tech CU is not responsible for replacing lost or stolen gift cards. All loans require Tech CU membership and credit approval. Additional conditions and restrictions may apply. To qualify for the offer and for more details, you must advise your Mortgage Consultant that you are requesting a 10 day close.

    No Cost Loans: A No Cost version requires no lender closing costs or third party costs (such as appraisal and title) to establish the loan. No Cost option available on owner-occupied, single family, conforming fixed rate loans only.

    $500 fee required with application.  Rates and terms subject to change without notice. All loans subject to approval. Additional conditions and restrictions may apply. Ask a Tech CU mortgage consultant for details.