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Mortgage

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Home Loans

Choose the right loan for your home or property with a Wescom Mortgage, where you can get closing discounts on your first mortgage as a Signature Member.* Plus, we lend in 50 states!

* Signature Membership terms and conditions apply.


Featured

30 Year Fixed**
From $50K to $806,500
Rate 6.750%
APR 6.798%
Points 0
15 Year Fixed**
From $50K to $806,500
Rate 6.000%
APR 6.077%
Points 0
Rate APR Points
30 Year Fixed**
From $50K to $806,500		 6.750% 6.798% 0
15 Year Fixed**
From $50K to $806,500		 6.000% 6.077% 0
Apply Now View Adjustable Rate Mortgages

Fixed Rate Home Loans

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Conforming Fixed Rates ($50,000 – $806,500) **
Jumbo Fixed Rates ($806,501 – $5,000,000) ***

Adjustable Rate Home Loans

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Conforming Adjustable Rates ($50,000 – $806,500) ***
Jumbo Adjustable Rates ($806,501 – $5,000,000) ***

** These rates are based upon the following assumptions; purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, and property type is a 1-unit single family residence. Other rates and terms available upon request. Please click “Apply Now” and “Check Rates” for details.

*** These rates are based upon the following assumptions; 660 FICO, primary occupancy, 60% LTV/CLTV, and property type is a 1-unit single family residence. Other rates and terms available upon request. Please click “Apply Now” and “Check Rates” for details.

Conventional and Jumbo Home Loans

We know that when it comes to securing a loan for your dream home, one size does not fit all. Whether you’re looking to purchase a new home or refinance a current property, Wescom offers fixed and adjustable rate mortgages for loan sizes ranging from $50,000 to up to $5,000,000.


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Home Affordability

Disclosure

1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

2 The rate and APR is fixed for the first five years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

3 The rate and APR is fixed for the first seven years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

4 The rate and APR is fixed for the first ten years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

Loan programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. Call us at 1-888-4WESCOM (1-888-493-7266) for current rates, terms and conditions.

Mortgage insurance is required for any loan to value over 80%. Interest rates, payments, insurance, terms and availability of the loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing.

Monthly principal and interest and estimated taxes, mortgage insurance and hazard insurance are included in the payment. Interest rates, payments, terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing.


New York Borrowers:

Wescom Central Credit Union can be contacted at 844-324-7796, option 1. Complaints and inquiries can be sent to 5601 E. La Palma Ave., Anaheim, CA 92807, attention Mortgage Loan Servicing. Wescom Central Credit Union is not registered with the superintendent for the state of New York. Complaints can be filed and further information about the servicer can be obtained by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the department's website at www.dfs.ny.gov.


Schedule of Servicing-related Fees:

Late Charge: Charged in accordance with loan note
Payoff Demand Fee (as permitted by applicable law): $30
Updated Payoff Demand Fee (as permitted by applicable law): $10
Reconveyance Fee (depending on property state): $45
Reconveyance Recording Fee (depending on property county): $0-$225

How to Apply for a
Home Loan

Any way you look at it, the decision to buy a house is yours and yours alone. First, make sure that it's financially feasible.

Can you pay the up-front costs of purchasing a house, as well as the ongoing monthly mortgage and other living expenses? We've provided a wide range of calculators for you to use to determine some preliminary answers. Plug in your figures and see if it all adds up.

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Meet your Loan Officers

Our team of experienced loan professionals will be with you every step of the way as you work to finance your property.

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