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Whether you're a first-time homebuyer or you've done this before, we've got options tailored to fit your unique needs! Let Downey Federal Credit Union help you get into your first home, your dream home or help you save by refinancing your current loan from another lender.

  • For Purchase or Refinance
  • Offering FHA, VA, Conventional loans + more
  • Custom mortgages starting from 9 to 30 years
  • Conventional loans available with as little as 3% down*
  • FHA loans available with as little as 3.5% down*
  • Low, competitive rates change daily. View current rates here.
  • Jumbo Loan and First-Time Buyer Programs available

With years of industry experience under her belt, DFCU's Mortgage Loan Consultant, Bianca, will guide you through your purchase or refinance journey with ease! Offering a variety of mortgage options with our trusted partner Rocket Mortgage, rest assured we'll aim to get you the best deal! See what the community is saying about Bianca's world-class service:

"Bianca is extremely knowledgeable and was very pleasant to work with. She answered all of my questions and was very patient and clear with her explanations. She is truly professional and made this process very quick and easy. I would recommend her and Downey Federal Credit Union. Thank you Bianca!" ☆ ★★★★

"Thank you Bianca for answering all my questions prior to applying for the refinance loan. I called you about 50 times and not once did you sound annoyed, but instead provided the best customer service experience possible. Over a period of one month I looked around at different banks and I chose to deal with DFCU because Bianca was always there on the phone answering every question. Thank you." ★★★★★

"Bianca was very informative and answered all my questions in detail from the first visit up until final document signatures. She is a great listener and wanted only nothing but the best possible scenario for my refinancing experience. What stood out the most was her attention to detail because of her great listening and letting me explain first what I wanted. Bianca just didn't listen to respond, she listened to make this a smooth and joyful transaction." ★ ★★★★

Interested in a Home Loan?

Simply provide your name and phone number and we’ll give you a call.

Call Request Form - Mobile

Or call us at 562.862.8141

Let's Talk Home Buying

Conventional Loan

A Conventional Loan is originated + serviced by private mortgage lenders. They are broken down into "conforming" and "non-conforming" loans.

Conforming Loan

A conforming loan is a mortgage that conforms to government guidelines. (Usually loan amounts lower than $647,200)

Jumbo Loan

Jumbo loan is a mortgage that may have high credit quality, but is in an amount above conventional conforming loan limits. (Usually loan amounts higher than $647,200)

FHA Loan

FHA stands for Federal Housing Administration. They are a type of government-backed mortgage that can allow you to purchase a home with more lenient financial requirements.

VA Loan

VA stands for Veterans Affairs. They are a type of government-backed mortgage offered through a U.S Department of Veterans Affairs program. They are available to active and veteran service personnel + their spouses.

*Subject to change without notice. Speak to a DFCU home loan representative for complete details.

  • Conforming loan amounts conform to GSE (Fannie Mae and Freddie Mac) guidelines
  • Jumbo loan amounts are anything above conventional conforming loan limits
  • Payments can be made in branch, by phone, by mail, via online banking or direct deposit
  • Rate based on FICO/credit score
  • 15-day grace period on payments
  • Late payment charge: 5% of payment amount
  • No application fee
  • No pre-payment penalty