PLCU Online - Internet Home Banking
PLCU Home Page

 Posted:  5/29/2015 13:30

PLCU Home Loan Solutions

Your Home Loan SolutionHome Loan Solutions made effortless for the first-time or the experienced homebuyer.

All your home loan needs are now as close as Point Loma Credit Union.  Plus with no application fee… PLCU can make even the process of buying your new home a fond memory.

First-Time Homebuyer Program – A 30-year mortgage (95% financed up to the lower of the appraised value or purchase price) that offers a .50% rate reduction for the first three years and reverts back to the original note rate for the remaining 27 years.  PLCU pays non-recurring costs like credit, appraisal and title insurance, etc. (first-time homebuyers only).

Fixed Rate Mortgages – If peace of mind is what you’re looking for in a mortgage, PLCU offers fixed rate mortgages with low rates and terms up to 30 years for low payments. Click here for today’s fixed rate mortgage program interest rates.

Adjustable Rate Mortgages – Choose one of our many competitive ARMs to lower your monthly payments and save money. Click here for more information about PLCU ARMs.

Home Equity Line of Credit (HELOC) – With a PLCU HELOC you can use the equity that you've already established in your home to unlock the door on the many possibilities that you've been delaying for so long. Start building the pool you have always wanted. Pay-off your high-interest credit cards, consolidate your debt, or take a dream vacation. The possibilities are endless and completely up to you! Click here for more information on our HELOC products.

Jumbo Mortgages – Need to borrow more than $417,000? Not a problem with PLCU's low interest rate jumbo mortgage products. Available with fixed or adjustable rates, our jumbo loans are priced to keep your payments low. Click here for more information on our jumbo loan mortgage products.

HARP 2.0 – With the HARP 2.0 program, you can now refinance your home loan even if you owe more than your home’s value. Click here

Interest Only First Mortgage – With this loan, you only pay the interest accrued.  So, you can live in the home of your dreams for a much lower monthly payment than with a typical home loan.

No Points / No Closing Costs First Trust Deed – PLCU pays the nonrecurring, pass-through closing costs… such as an appraisal, credit report, title insurance, settlement, tax service fees.  $200,000 minimum loan amount required.***

Are you having difficulty making your PLCU mortgage payments?  Click here.

View our great rates!  Our Rate Lock Program allows your interest rate and points to be "Locked In" by you, at the time of application, for 45 days.

Apply Online Now!

To chat with a Call Center representative click the blue button above.

PLCU Web Chat available:
9am to 5pm Monday-Friday
9am to 4pm on Saturday

For additional information, please contact your nearest PLCU branch or the Call Center at (858) 495-3400.

NMLS# 675353

Go To Online Banking Home :: Contact us :: Locations & hours :: Site index :: Privacy Policy

Terms of Use:   The Point Loma Credit Union website is for the exclusive use of its members and non-members interested in the services of the credit union.  Any unauthorized or unlawful use is strictly prohibited.

Disclaimer:  Point Loma Credit Union is not responsible for the privacy practices or the content of websites which we may provide a link to.  While all efforts are made to maintain the accuracy of information presented on the Point Loma Credit Union website, we cannot guarantee that all information is current.  Please contact the credit union call center directly for the most current information at 858-495-3400.

National Credit Union Association Equal Housing Lender America's Credit Unions

Your savings Federally insured to $250,000
by the NCUA, National Credit Union Administration,
a US government agency.  Point Loma Credit Union
is an Equal Housing Lender.

Copyright © 1998-2015, Point Loma Credit Union
All rights reserved