First Mortgages

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We Make Home Loans Easy

Whether you're buying a home or refinancing your current mortgage, the home loan process can be daunting. Let us help! We'll work with you to identify the home loan option that best fits your needs. With personalized service, we also offer competitive rates and a wide variety of mortgage options so you have peace of mind about your home financing.

    • Easy online application, available 24/7
    • View loan status and track the entire process online
    • Fixed Rate Loans: 10, 15, 20, & 30 year terms
    • Adjustable Rate Loans: 3/1, 5/1, 7/1, and 10/1 year terms
    • Competitive interest rates and low fees
    • Private Mortgage Insurance (PMI)- Learn more!
    • No-point programs available
    • Refinancing available
    • Personalized service

Take advantage of these promotional rates while they're still available! We are here to help discuss the program, rates, and options available to you.

  RatesApply Now

For your convenience, our first mortgage application services are available 24/7. To apply, please call us at 408-524-4500 or 1-855-500-7128 and press Option #4.

Learn more about our Private Mortgage Insurance (PMI)

What is it and how does it work?

      • Mortgage insurance lowers the risk to the credit union of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.
      • Borrowers making a down payment of less than 20% of the purchase price of the home will need to pay for mortgage insurance.
      • Making a smaller down payment and qualifying for mortgage insurance will increase your monthly payment, but unlike mortgage insurance on an Federal Housing Administration (FHA) loan it can be removed before the loan is paid in full with certain criteria being met.

Mortgage Referral Program

Refer a Friend, Family or Co-Worker and get $300*


  • Refer online below, or print the referral slip and hand it to the person you would like to refer.
  • When the referred person brings the form into a branch and funds a Mortgage Loan, you will both receive $300!



For additional information please contact the credit union at 408.524.4500 and ask to speak with a mortgage specialist.


Additional Educational Resources:


APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 680 or above, and 80% loan-to-value and qualified down payment when applicable. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury Index (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. For more information call 408.524.4500.

*Referred members must fund a mortgage loan for no less than $250,000 within 90 days of mortgage referral submission and open a membership. This new account must remain open and in good standing to receive the $300 deposit. Good Standing is defined as a member who has not caused a financial loss to this credit union. If qualified, the deposit will be credited as a dividend bonus which may be taxable. Verification of membership eligibility and valid identification will be required to open a new membership account. A new member is defined as someone who currently does not have any individual accounts (membership/deposits/loans) and is not a joint account owner with PremierOne Credit Union. Limit one $300 deposit per closed mortgage referral. Credit Union employees do not qualify for this offer. A referring member may not receive more than two mortgage referral deposits per calendar year. Offers not valid with other promotions and not transferable. Referred members under the age of 18 are not eligible. PremierOne Credit Union reserves the right to cancel or change this offer at any time. Not all applicants will qualify, subject to credit approval. Other conditions may apply.


New Auto*


24-Month IRA Share Certificate*


Home Equity Line of Credit*




More Rates


If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7128 for assistance. 


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