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Your Path to Homeownership Starts Here

At Wescom Financial, we believe everyone deserves a place to call home. That’s why we offer zero or 3% down payment options, 100% financing, and exclusive benefits like mortgage insurance discounts, Signature Membership fee waivers, and a 21-day close options.1 Whether you're buying your first home in California or in any of the 50 states, investing in a vacation property near Monterey Bay or across the county, our mortgage solutions are designed to fit your home buying needs.

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Types of Home Loans We Offer

We provide a wide range of home loan options to suit every need:

  • Conventional Loans
  • Jumbo Loans
  • Fixed Rate Mortgages (30, 20,15, and 10 year)2
  • Adjustable Rate Mortgages (ARMs - 5, 7 & 10-year)3
  • Bank Statement Loans for self-employed borrowers
  • Reverse Loans4

Purchase & Refinance Loans for:

  • Primary residences
  • Second homes
  • Investment, rental, and vacation properties

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Competitive Rates

30 Year Fixed**
From $50K to $806,500
Rate 6.500%
APR 6.547%
Points 0
15 Year Fixed**
From $50K to $806,500
Rate 5.750%
APR 5.826%
Points 0
Rate APR Points
30 Year Fixed**
From $50K to $806,500		 6.500% 6.547% 0
15 Year Fixed**
From $50K to $806,500		 5.750% 5.826% 0
Apply Now View Adjustable Rate Mortgages

APRs (Annual Percentage Rates) are accurate as of 11/01/2025. All loans are subject to approval. Terms and conditions apply. Membership eligibility required. Loan programs, rates, terms, and conditions are subject to change without notice.

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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Rent Or Buy

Adjustable-Rate Mortgage Analyzer

Proceeds from Sale Of A Home

Is It Time To Refinance?

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

More Than Mortgages

Home Loan Consulting

We go beyond lending. Our team offers:

  • Credit profile reviews
  • Financial literacy webinars and seminars
  • Personalized consulting to help you understand your credit and improve your financial health
  • Free pre-qualification service so you know what loan amount you may qualify for

We’re here to empower you with knowledge—because informed decisions lead to better outcomes.

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Meet Your Mortgage Loan Officers

Schedule an Appointment Today

Our experienced loan officers are local, approachable, and ready to guide you on every step of the way. From application to closing, you’ll have a dedicated expert by your side.

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FAQs

What’s the difference between a fixed rate and adjustable-rate mortgage?
Fixed rate mortgages offer consistent payments over the life of the loan, while ARMs may start with lower rates that adjust over time.

Can I qualify as a first-time homebuyer in California?
We offer special programs for California first-time homebuyers, including low down payment options and educational support. Loans are subject to approval. Terms apply.

How fast can I close?
With our streamlined process, you can close escrow in as little as 21 days.

Do you offer refinancing?
Absolutely. We offer competitive refinance options to help keep your rate low or access equity.



All loans are subject to approval. Applicants may not qualify for all loan programs. Must meet underwriting guidelines including income, credit, and property valuation. This does not constitute a commitment to lend. Membership eligibility required. Terms and conditions apply. Ask your Mortgage Loan Officer for details. 1 Applicant must request to have a 21-Day close when applying for mortgage loans. If the loan fails to close within the 21-Day Guarantee period due to a delay by Wescom Financial, we will reduce $575 of the buyer’s closing costs at time of closing. Not all loans qualify. Terms and conditions apply. Contact the credit union for details.

2 30-Year Fixed Example: APR (Annual Percentage Rate). Rates and pricing as of 10/10/2025. A conventional 30-year fixed rate loan in the amount of $700,340.00 with 3 % down payment and $12,806.94 in closing costs, prepaids and reserves; an interest rate of 6.625% (7.898% APR); and monthly payments of $6,408.30. Monthly principal and interest and estimated taxes, mortgage insurance and hazard insurance are included in the payment example. Mortgage insurance is required for any loan to value over 80%. There may be other additional assessments which are not included in the above payment. 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. Loan approval subject to terms and conditions.

3 ARM Example: APR (Annual Percentage Rate). Rates and pricing as of 10/10/2025. A 30-year Adjustable Rate Mortgage (ARM) 5/6mo. loan in the amount of $700,340 with a 3 % down payment of $21,660.00 and $12,586.14 in closing costs, prepaids and reserves; with an interest rate of 6.125% (6.992% APR); will have monthly payments of $5,455.60. Monthly principal and interest, and estimated taxes, mortgage insurance and hazard insurance are included in the payment example. The 5/6mo. ARM is a 30-year 1st lien mortgage loan which is fixed for 5 years then adjusts every 6 months thereafter. The adjusted rate is calculated by adding the margin to the SOFR index. The rate may increase based on the SOFR index but will not increase by more than 2% over the initial Note rate at the first rate adjustment and will not increase by more than 1% over the most previous adjusted rate every 6 months thereafter. Total rate adjustments over the life of the loan will not increase more than 5% over the initial Note rate or decrease less than the margin. Mortgage insurance is required for any loan to value over 80%. There may be other additional assessments which are not included in the payment example. 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. This is not a commitment to lend. Loan approval subject to terms and conditions.

4 Reverse mortgages are processed by PHH Mortgage Corp DBA Liberty Reverse Mortgage (NMLS#2726). Wescom is not the creditor for these loans and is compensated by PHH Mortgage Corp DBA Liberty Reverse Mortgage for the referral of loan customers.

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