Home Loans

Getting a loan to purchase or refinance a home is easy and convenient with our one-stop online mortgage service.

The Home of Great Rates

the home of great rates

It Feels Like Home

For a limited time only, we’re offering a discount of 0.25% on select mortgage rates!* Any new purchase or any mortgage you transfer from another lender is eligible! That’s right, no matter what our rate may be when you apply, we’ll drop it by a quarter-percent if you qualify. 

    Ed Plata Real Estate Lending Manager NMLS#954729

    Ed Plata, NMLS#954729

    Real Estate Lending Manager

    Se habla Español

    The terms available for this discount include the 30-Year Fixed Conforming, the 30-Year Fixed High Balance, and 20-Year Fixed Conforming.

    So put our new Real Estate Lending Manager to the test (that's him up above), and make Ed’s phone ring! Just call (818) 846-1710, visit a branch, or apply online.

    * Promotional discount applies to loans which are new to GainFCU. Refinances of existing Gain FCU loans are not eligible for this promotion. Discount offer may end at any time. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Mortgages are processed by Gain Federal Credit Union NMLS #407810.

    Simple and Secure Application Process

    We took the complicated process of applying for a home loan and created a simple and secure online application system. The process takes about 20 minutes to complete and once you submit your completed application, you'll get a decision by the next business day.

    And best of all, there is NO COST TO APPLY!

    Mortgage Center

    Still exploring the ins and outs of home buying? Our mortgage center is packed with useful tools to guide you along the way of your home buying journal. It's the place to check out the latest rates, peruse a helpful host of FAQs, connect to a Loan Advisor, or dive into our suite of calculators to plan your home buying budget. And when you're ready to apply, it can take care of that too!

    30 year

    APR* as low as

    3.305

    Apply Now

    * APR = Annual Percentage Rate

    5/5 ARM

    APR* as low as

    2.625

    Apply Now

    * APR = Annual Percentage Rate

    15 Year

    APR* as low as

    2.716

    Apply Now

    * APR = Annual Percentage Rate

    Hassle free and flexible

    • Fixed and variable rate loans
    • Flexible terms available. 10, 15, 20 and 30-year terms
    • Purchase up to 97% loan-to-value
    • Refinance no cash-out up to 95% loan-to-value
    • Refinance with cash-out up to 80% loan-to-value
    • Single Family Residences, condominiums, and PUDs only
    • Vacation homes and investment properties
    • We finance homes in CA, AZ, NV, CO, OR, ID, UT and WA
    • And did we mention there are no application fees? NONE!

    In Person

    Come into the branch at 1800 West Magnolia Boulevard and speak with a mortgage professional today.

    Fax

    Need to send documents?

    You can fax them to our Home Loan department at (818) 524-1682.

    For loan demands and payoffs, you can fax them to our Loan Servicing Department at (818) 524-1681.

    Questions? Need more information?

    Fill out this quick form and we'll get back to you.

    Contact Us

    Avoiding Foreclosure

    Home Benefits PlusHome Benefits Plus 

    At Gain, we are always focused on ways to assist you in your home buying process.

    We have partnered with Home Benefits Plus, a no-cost program that is provided to help you save time, receive thousands of dollars in cash rebates, and you will have professional assistance to help you buy or sell a home––all at no charge to you!

    Whether you are buying your first home, refinancing your current home, or are looking for that perfect vacation home, speak to our mortgage professionals who are here to help. Give us a call at (818) 524-1680.  

    Home Benefits Plus

    Making your mortgage payments is easy!

    We offer a number of ways to pay your mortgage:

    • Transfer your payment in Online Banking.
    • Set up automatic transfers. 
    • Send us a check in the mail.

    You choose the method you prefer!

    Frequently Asked Questions

    • What is the difference between an appraisal and an inspection, and what is required?

      An appraisal is an estimate of the market value of the home that you are buying and is accomplished by comparing your home to several homes like it that have sold in the last 6 months or so. An appraisal of the home you are buying will be required by your lender.

      A home inspection is a more detailed analysis of the home that you are buying and may include items such as appliances, electrical systems, heating and air conditioning, structural integrity, etc. An inspection is generally not required unless the appraiser notes obvious problems with these areas, but is always a good idea if you are buying a previously owned home.

    • What are points?

      Points are finance charges paid by the borrower at the beginning of a loan in addition to monthly interest. Each point equals one percent of the loan amount.  By paying these "points," your interest rate is lowered for the life of the loan.

    • How much will my monthly payments be?

      Your monthly payments are broken down into principal/interest, PMI (Private Mortgage Insurance), taxes, and insurance. The principle and interest portion of your payment is based on your loan amount, your interest rate, and the term (length) of your loan. PMI is a monthly fee that is required if you put less than 20% down.  Taxes and Insurance refer to the monthly (annual divided by 12) cost of your property taxes and homeowners insurance.Be sure that you understand and are comfortable with your total monthly payment (what you will write a check for each month) before deciding to purchase a home.

    • If the sellers are not paying my closing costs, then how are they paid?

      If the sellers are not paying for your closing costs, then you are responsible for paying these at closing. You will be given credit for anything that you have already paid ($350 is typically paid in advance for credit report and appraisal, and your first year of homeowners insurance is purchased in advance) prior to closing but will need to provide the remainder, along with any down payment you may have, in the form of a certified check made out to the title company.

    • Can the sellers pay for my closing costs?

      Yes, it may be possible for the sellers to pay for most or all of your closing costs, provided that you have satisfied the minimum down payment requirement of 3%.

    • What are closing costs and how much are they?

      Various fees and expenses payable by the seller and buyer at the time of a real estate closing. Costs may include: commissions, title insurance premiums, recording fees, inspection and appraisal fees, etc.

    • How much do I need as a down payment to qualify?

      Down payment amounts can vary anywhere from 3%-10%. On average lenders require 5% down.

    • What is a pre-approval and why do I need one?

      A mortgage pre-approval is an important part of the home buying process. Potential home buyers should contact a lender they trust to handle this important step. The lender will need a 2 year history of residence and employment, checking/savings/retirement information, and detailed information on your income just to name a few. Most sellers will want a potential buyer to be pre-approved.

    * APR = Annual Percentage Rate