HOME LOANS

Make your dream home a reality

Your next chapter starts here—with a home loan designed for families.

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Home Loans

A Home Loan just for you

We offer several mortgage types, to help you get settled in faster with a rate you’ll love. Whether you want to buy, build, or refinance, we’ll find you a solution.

  • Put as little as 5% down*
  • Fixed and adjustable-rate options
  • VA, FHA, and Jumbo Loan Programs available

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For all states except NY and HI

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Or Call: (855) 624-7248 (Mon-Fri: 5:00 am to 5:00 pm PDT)

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5/5 Adjustable Rate Mortgage (ARM)

A 5/5 ARM is an adjustable-rate mortgage that offers a lower initial rate for the first five years. After the initial five years, the rate will adjust and lock in for another five years. This loan is an excellent choice for borrowers who want the security of a fixed rate but don’t want the higher rate of a standard 30-year fixed mortgage.

Put as little as 5% down*

We offer fixed and adjustable mortgage rate options with as little as 5% down.

View Rates

Home Loan Programs

Want to learn more about our VA, FHA, and Jumbo Loan Programs? Our loan consultants are ready to answer your questions about financing, find a loan that’s right for you, and help you get pre-qualified.

(855) 624-7248 (Mon-Fri: 5:00 am to 5:00 pm Pacific Time)

Download our Home Buyers Guide – Whether you’re purchasing your first home or a vacation property, we’re with you every step of the way. Click here to download our guide.

Mortgage Loan Calculator

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Mortgage Disclosure: *SkyOne Federal Credit Union will pay borrower’s third-party closing costs up to 2% of the loan amount up to a cap of $5,000 excluding discount points, private mortgage insurance, prepaid interest, homeowner association fees, home inspection fees, condo document fees or funds to establish the member’s escrow account. Appraisal and any fees collected from the borrower during the loan process will be credited back to the borrower at loan closing. However, such fees will not be refundable to the borrower if the loan is not completed for any reason. If the loan is paid in full within the first 36 months of the commencement of the loan, the borrower will be required to reimburse 100% of the closing costs (a value up to $5,000) paid by SkyOne Federal Credit Union. All loans are subject to membership eligibility, credit, and underwriting approval. Additional terms and conditions may apply. Call (855) 624-7248 (Mon-Fri: 5:00 a.m. to 5:00 p.m. Pacific time) if you have any questions. Equal Housing Lender

Tools and Calculators Disclosure:

The information, content, tools, links, articles, calculators, and resources provided on this website are intended for educational and informational purposes only. They are designed to help individuals and families make informed financial decisions but should not be considered financial, legal, tax, investment, or professional advice.

While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, accuracy, reliability, suitability, or availability of any content or third-party materials referenced on this site

Any links to third-party websites, products, services, or applications are provided as a convenience for educational purposes. These external resources are not owned, operated, controlled, endorsed, or guaranteed by the credit union unless explicitly stated as an official product or service offering. The credit union is not responsible for the content, security, availability, or privacy practices of external websites or third-party providers.