First Mortgages
Get approved before you house hunt to save precious time when you find the house you want. Visit our informative home loan site to learn about our loan options and how to choose the program that’s right for you. We offer a variety of fixed- and adjustable-rate loans up to $1 million. Apply at traviscu.org and receive an application discount.  (Online home loan site)

My Community Mortgages
We offer several “My Community Mortgage” programs to assist low- to moderate-income homebuyers as well as other buyers purchasing homes in low-income areas. Together, local agencies, Fannie Mae and Travis Credit Union work to encourage home ownership, provide affordable housing and build stronger communities.

We also offer special programs to assist members of our community, including public safety workers, such as police, correctional officers and firefighters and public health workers, such as nurses, nursing assistants, pharmacy and medical technicians, therapists and educators.

We are proud to offer these programs which allow us to approve larger home loans, in relation to income, than typical lending programs.

Please contact the real estate department at (707) 469-2000 or (888) 698-0000 for more information.

Home Equity Loans
A fixed-rate home equity loan is a practical solution to save you money and acquire the cash you need. Make improvements that turn your house into a home, pay tuition to that choice university or consolidate high-interest credit card debt. Your interest rate is secured for the next 15 years and you’ll receive funds in-full when your loan closes. This is an excellent option if you require a large amount of cash immediately. 
(Apply online for results in minutes)

Home Equity Lines-of-Credit (HELOC)
A variable-rate HELOC allows you to draw money from available funds as you need them without paying interest until you use them. Enjoy interest-only payments for the first 10 years with an additional 15 years to pay off the balance.* 
(Apply online for results in minutes)

Refinancing Your Mortgage
Do you know when it’s best to refinance your home? Visit our online home loan site for valuable information or ask our representatives how your financial goals and current interest rates can work together to:

• save you money;
• consolidate debt;
• turn equity into cash;
• reduce the length of your loan; or
• convert your variable-rate loan to a fixed-rate.

(Apply online for results in minutes) 

*Consists of a 10-year draw period with interest-only payments, followed by a 15-year (non-draw) repayment period. For example, at a rate of 5.25% APR, you would pay $7.91 per month per $1,000. An origination fee of $395 is due at closing, but may be waived if you take a $10,000 draw when your loan closes. There is a $50 annual fee which will be waived, if on December 31, the balance of your line-of-credit is over $5,000.