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News: Updated 11/30/2021

New Conforming Loan Limits for 2022 Announced:
Reduce Your Interest and Monthly Payment

This means you may be able to purchase or refinance an existing high-balance loan at our conventional loan rates—saving you money.

Request more information by completing the form below and one our Real Estate experts will help you save money. But hurry while rates are still low!

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First Mortgage Savings up to $2,000!

Real estate rates are still among the lowest in generations. Now is the right time to refinance your mortgage before rates go up. There are many reasons to refinance, including:
Jumbo Loans
  • Rates as low as 6.625% APR1
  • Savings up to $2,000 with our No Points, No Fees First Mortgage2
  • Reducing the term of your loan
  • Lowering monthly payments
  • Getting cash out
  • And much more!




APR=Annual Percentage Rate.

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.

1
The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.

Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums in California.

2
Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s) must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance, included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust. Call for complete details.

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Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.

Request more information




First Mortgage: Purchase

Effective: 11/22/22
Loan Type: PurchaseInterest RateAPR1PointsTermMonthly Principal & Interest Payments Note
No Points/No Fees
Fixed-Rate First Mortgage: CONFORMING (with loans up to $647,200)
APR & Payment based on $400,000 loan
6.625%6.703%030 years

Terms 10,15, 20 years also available.
$2,561.24Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: High Balance (loans from $647,201 to $970,800)
APR & Payment based on $750,000 loan
6.625%6.675%030 Years

15yr Terms available
$4,802.33Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: JUMBO (loans up to $1,500,000)
APR & Payment based on $975,000 loan
6.625%6.669%030 years

15 yr term also available.
$6,243.03Rates subject to change daily.

Request More Information

First Mortgage: Refinance

Effective: 11/22/22
Loan Type: RefinanceRateAPR1PointsTermMonthly Principal & Interest PaymentsNote
No Points/No Fees
Fixed-Rate: Conforming (loans up to $647,200)
APR & Payment based on $400,000 loan
6.625%6.709%030 years

Terms 10,15, 20 years also available.
$2,561.24Rates subject to change daily.

Request More Information
Fixed-Rate: High Balance (loans from $647,201 to $970,800)
APR & Payment based on $750,000 loan
6.625%6.674%030 years

15 year also available.
$4,802.33Rates subject to change daily.

Request More Information
Fixed-Rate: Jumbo (loans up to $1,500,000)
APR & Payment based on $975,000 loan
6.625%6.672%030 years

15 year also available
$6,243.03Rates subject to change daily.

Request More Information

1APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.