Your dream home. Your dream loan.Sunday night dinners. Family game nights. Weekend barbecues. Whatever you dream
of doing in your home, we’ll help you get the keys to your dream house so you can
start doing it. Whether you’re buying your first home, refinancing your existing home, or
using home equity for transformative updates, we offer a variety of home loans perfect
for your personal situation. And we’ll walk you through everything to make sure you
understand all your rates and terms before you sign a single paper.
First-Time Homebuyer Program
Don’t have a big down payment? You can still become a homeowner with as low as 5% down with the PLCU First-Time Homebuyer Program. We give you a discounted rate for the first 3 years and pay non-recurring costs, too. You deserve a home of your own, and we want to help you get it.
Adjustable Rate Mortgages
Get lower rates and monthly payments the first few years of your loan with a PLCU Adjustable Rate Mortgage (ARM). Choose from low fixed-rate starting periods of 3, 5, 7, or 10 years. Annual and lifetime caps keep future adjustments manageable.