Only California lender with a best-price guarantee*

More than 125 years of combined mortgage team experience

Fixed, adjustable, purchase, refinance, jumbo and FHA loans

Pre-purchase rate protection, with free float-down option

75 years as a leading, full-service California credit union

The recent mortgage crisis transformed the industry and demonstrated the value in choosing an experienced and trusted financial partner. At USE Credit Union, our borrowers trust our 75 years of financial experience, as well as our reputation for putting people above profits. As a leading California real estate lender, we focus on what is really important to you: Getting the right mortgage, at the right price, from a lender who puts your needs first. Today, we guarantee to give you the best overall price on your mortgage — purchase or refinance — or we will pay you $750. We also guarantee your loan will close on time or we will reduce your rate by 1/8th of one percent.**

Whether you are buying property or refinancing your current mortgage — even if you need up to $1.5 million — we can help. After all, making your house a home begins with a mortgage that’s right for you.