Whether you're a first-time homebuyer or you've done this before, we've got options tailored to fit your unique needs! Let Downey Federal Credit Union help you get into your first home, your dream home or help you save by refinancing your current loan from another lender.

• For Purchase or Refinance
• Offering FHA, VA, Conventional loans + more
• Custom mortgages starting from 9 to 30 years
• Conventional loans available with as little as 3% down^*
• FHA loans available with as little as 3.5% down^*
• Low, competitive rates change daily. View current rates here.
• Jumbo Loan and First-Time Buyer Programs available

To learn more or to apply, call 562.862.8141 ext. 708 for english ext. 712 para español.

Conventional Loan

A Conventional Loan is originated + serviced by private mortgage lenders. They are broken down into "conforming" and "non-conforming" loans.

Conforming Loan

A conforming loan is a mortgage that conforms to government guidelines. (Usually loan amounts lower than $726,200)

Jumbo Loan

Jumbo loan is a mortgage that may have high credit quality, but is in an amount above conventional conforming loan limits. (Usually loan amounts higher than $726,200)

FHA Loan

FHA stands for Federal Housing Administration. They are a type of government-backed mortgage that can allow you to purchase a home with more lenient financial requirements.

VA Loan

VA stands for Veterans Affairs. They are a type of government-backed mortgage offered through a U.S Department of Veterans Affairs program. They are available to active and veteran service personnel + their spouses.