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BRANCH APPOINTMENT UPDATE: We are still requiring appointments for all non-teller transactions, including any loan related documentation. Walk-ins for teller transactions are welcome. Please note that any walk-ins for non-teller transactions may wait longer due to appointments. To make an appointment please call (562) 862-8141. Thank you for your understanding.

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Home Loans

Home Loans


Let Downey Federal Credit Union help you get into your first home, your dream home or refinance your current loan from another lender.

  • For purchase or refinance
  • Up to 80% Loan-to-Value (LTV)
  • Low, competitive rates change daily
  • Conforming and Jumbo Loan options available

Jumbo Loan

Jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. (Usually loan amounts higher than $417,000)

Conforming Loan

A conforming loan is a mortgage loan that conforms to government guidelines. (Usually loan amounts lower than $417,000)

We know that home buying can be stressful. Our home loan representative, Bianca Robles, takes pride in providing world class service to our members. Here is what they are saying:

"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 annoy but instead provided the best customer service experience possible. Over a period of one month I locked around with different banks and I choose 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."

"I was very happy with the whole refinance experience from the time I applied online to the closing. Both Bianca and Chris were very professional and very knowledgeable. I was pleasantly surprised at the ease and quick turn around time. I will definitely continue to use Downey Federal Credit Union for any other banking need that I may have."

Get a Quote
Interested in a Home Loan?

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

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Or call us at 562.862.8141


  • 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
  • Apply online HERE
  • Over the phone at 562.862.8141
  • In branch