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Welcome to Caltech Employees Federal Credit Union

Your approval letter awaits you!

We've eliminated the paperwork to offer you a hassle free application process.
A few questions equals an on-line decision within minutes!

Unlock opportunities with our new Investment Property Loan (30-year term due in 15 years) to purchase or refinance your rental property in California.  We offer competitive rates, low closing costs, and no pre-payment penalty.

Our dedicated Real Estate Loan Center team is here to help! If you need assistance or prefer not to apply online, please call us at (800) 592-3328 Ext. 404.



Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home. Before you begin, Check Rates!

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Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home. Before you begin, Check Rates!

Check RatesCalculatorsApply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home. Before you begin, Check Rates!

Check RatesCalculatorsApply

Getting Value Out Of Your Home

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home. Before you begin, Check Rates!

Check RatesApply


Have an application?

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New Investment Property Loan Option

CEFCU's new Investment Property Loan can help you purchase or refinance your 1- to 4- unit rental property anywhere in California.
This "30 due in 15" product offers the features of a 30-year fixed rate mortgage loan with a balloon payment due at the completion of year 15.  Loan amount maximum is $2 million and maximum loan-to-value (LTV) is 70%.  To see the current rates answer a few questions to receive a customized quote.  Or call our Real Estate Loan Center toll-free at 800-592-3328, ext. 404 for further details.


Today's Rates
Today's loan rates
RatePointsAPRPayment
30 Yr Fixed
Interest Rate6.250%Discount Points0APR6.393%Payment Amount$616
5/5 ARM 40
Interest Rate5.500%Discount Points0APR6.197%Payment Amount$516
Traditional WSJ HELOC
Interest Rate7.650%Discount Points0APR7.650%Payment Amount$120
Interest Only HELOC
Interest Rate7.250%Discount Points0APR7.250%Payment Amount$60
15 Year Fixed Rate, Closed End Second
Interest Rate8.000%Discount Points0APR7.999%Payment Amount$96
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Assumptions Display the Rate Page


Check out these features...

Ready to apply? Our Loan Consultant will get you started!

Visit our Rate Page for an overview of programs and rates.

Need an idea of how much you might afford? Get Pre-Qualified.