Today's Rates

Mortgage Loans

home loans San Jose

Options you’ll love from a lender you can trust.


Finance or Refinance First Mortgages of $500,000 or less.

KeyPoint Credit Union has the perfect home loan for mortgages of $500,000 or less and there's never been a better time for prospective home buyers to take advantage of these historically low mortgage rates.

Advantages include:

  • First Time Home Buyer Mortgage
  • Easy Application Process
  • 24/7 Loan Consultants Available

Savings on a mortgage is easier than ever. Let our Mortgage Specialists show you how we make borrowing easy–from pre-qualification through closing.

If you already own a home, refinance your 1st mortgage and lower your payments!

We offer a subordination program for our equity loans and lines of credit that may allow you to keep your existing equity loan and line of credit right where it is.

View our rates and learn more about Home Equity Loans, refinancing your current home loan or getting a home equity line of credit from KeyPoint

Apply Online to refinance or for a Mortgage Home loan for less than $500,000 or call (888) 255-3637.


Finance or Refinance First Mortgages over $500,000, or any purchase mortgages

Owning a home is often a smart way to build your net worth. KeyPoint Credit Union makes it easy to get the money you need for a new home, renovation or refinance. Count on KeyPoint Credit Union and our mortgage partners for competitive rates, flexible terms, and the easiest application process found.

Many loan programs to choose from! Highlights of KeyPoint's Mortgage Programs:

  • Get knowledgeable advice to guide you through the application process
  • FHA and VA loans available
  • Loans available up to $2 million
  • Options include First-Time Home Buyer, jumbo, and longer-term loans, among others
  • Consult with experts to find the loan that's best for you

Learn more about getting the best home mortgage

Apply Online to refinance or for a Mortgage Home loan for over $500,000 or call (877) 393-1400.


Out of State Mortgages

KeyPoint Credit Union and our trusted partner have a full-range of mortgage services that can make it easier. Whether you're buying a new home, remodeling or refinancing, we have an amazing array of options for you to choose from, including First Time Home Buyer and longer term loans. We make it easy to get the money you need and we'll find the safest and best option for you.

We have over 60 different loan programs to choose from including:

  • Quick Loan Approval
  • Buy or Refinance your home, rental or vacation property
  • Cash Saver Program-Low Closing Costs
  • FHA and VA loans

We also offer the most competitive and flexible terms. Of course we're here to assist you every step of the way.

To learn more about Out of State Mortgages

Apply Online for an Out of State Mortgage or call (888) 251-5270.