Real Estate Center

Real Estate Center

This is everything you need to buy, sell or refinance a home.

Sure, you'll save money with our low-rate home loans. But you’ll also receive what’s equally as important — personal attention to match you with the perfect home loan and home-buying services.

Find a home. Find a real estate agent. Find your dream! Whether you're a first-time home buyer, need to refinance your current mortgage or want to access the equity in your home, we're here to make it easy.

Through our partnership with HomeAdvantage® — a leader in the residential real estate industry — you can access all of the products, services, information and guidance you need to buy or sell a home or find a real estate agent.*

Let’s get started.

First Mortgages

When you borrow money to purchase a home, that loan is known as a first mortgage — or mortgage, for short. Saving for a down payment to put toward the purchase of your home is the first place to start. Next up is finding the right mortgage. We offer various types of first mortgages:

  • Fixed-rate
  • Adjustable-rate
  • Jumbo loans

Mortgage Refinance

If you want to refinance your current mortgage loan(s), our low-rate home loans could lower your monthly payment, help you build equity in your home faster and reduce the amount you pay in interest, month after month, and year after year. That can add up to thousands of dollars saved over the course of your loan.

Call us or visit a branch to learn more and get started today.

*The HomeAdvantage program is made available to you through a relationship between Schools Financial and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Schools Financial for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Schools Financial may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please contact the Credit Union to get details that may affect you.


Educational Employee Mortgage

Educational employees1 receive special benefits with our Educational Employee Mortgage loan.


  • Discounted rate on 30- and 15-year loans
  • As little as 5% down2
  • Close in as few as 21 days when you are preapproved
  • No origination fees for first-time homebuyers3

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1 Must be an eligible educational employee to qualify for Educational Employee Mortgage: teachers, administrators, classified staff, district employees, Department of Education employees and government-sponsored educational program employees.
2 Property must be located in California and eligible properties are primary residence single-family homes and condominiums (cannot exceed four stories); manufactured homes do not qualify. Limited to 95% maximum loan-to-value for one-unit properties. 90% maximum loan to value for two-unit properties. Minimum down payment 5%. PMI will be required if the financed amount is over 80% loan-to-value. Maximum loan amount $510,400. Example: A $400,000 home purchase with a minimum down payment of $20,000 (5%) required, with a resulting loan balance amount of $380,000. At 3.25% APR, the payment on a $380,000 loan for 30 years would be $1,653.78 plus taxes, property insurance and mortgage insurance.
3 First-time homebuyer defined as a borrower who has not owned a home within the past three years. Origination fee of $695 waived for first-time homebuyers.