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.
Types of Home Loans We Offer
- 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
Purchase & Refinance Loans for:
- Primary residences
- Second homes
- Investment, rental, and vacation properties
Competitive Rates
| 30 Year Fixed** From $50K to $832,750 |
|
|---|---|
| Rate | 7.125% |
| APR | 7.174% |
| Points | 0 |
| 15 Year Fixed** From $50K to $832,750 |
|
|---|---|
| Rate | 6.375% |
| APR | 6.452% |
| Points | 0 |
| Rate | APR | Points | |
| 30 Year Fixed** From $50K to $832,750 |
7.125% | 7.174% | 0 |
| 15 Year Fixed** From $50K to $832,750 |
6.375% | 6.452% | 0 |
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.
** 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
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Is It Time To Refinance?
Home Affordability
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.
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.
FAQs
Frequently Asked Questions
What types of mortgage loans does Wescom Financial offer?
Wescom Financial offers a variety of mortgage loan options, including conventional loans, jumbo loans, fixed-rate mortgages, adjustable-rate mortgages (ARMs), bank statement loans for self-employed borrowers, and reverse mortgage referral options. Mortgage programs are available for primary residences, second homes, and eligible investment properties.
Do you offer mortgage loans for first-time homebuyers?
Yes. Wescom Financial provides mortgage solutions designed to help first-time homebuyers achieve homeownership. Eligible borrowers may benefit from low down payment options, educational resources, and guidance from experienced mortgage professionals throughout the home buying process.
Can I buy a home with a low down payment?
Down payment requirements vary based on the loan program, property type, and borrower qualifications. Wescom Financial offers mortgage solutions with low down payment options, including programs that may allow qualified borrowers to finance up to 100% of the home's purchase price.
Can I use a mortgage loan to buy a second home or investment property?
Yes. Wescom Financial offers mortgage financing for eligible second homes, vacation properties, rental properties, and certain investment properties, subject to underwriting guidelines and loan program requirements.
What credit score do I need to qualify for a mortgage?
Mortgage eligibility depends on several factors, including credit history, income, assets, debt-to-income ratio, and the selected loan program. Higher credit scores may help borrowers qualify for more favorable mortgage terms and interest rates.
What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage (ARM)?
A fixed-rate mortgage keeps the same interest rate and monthly principal and interest payment throughout the life of the loan. An adjustable-rate mortgage (ARM) typically starts with a fixed interest rate for an introductory period and may adjust periodically based on market conditions after that period ends.
How do mortgage interest rates affect my monthly payment?
Your mortgage interest rate directly impacts your monthly principal and interest payment and the total cost of borrowing over the life of the loan. In general, lower interest rates may result in lower monthly payments, while higher interest rates may increase overall borrowing costs.
How can I estimate my monthly mortgage payment?
You can use a mortgage payment calculator to estimate your monthly payment based on factors such as home price, down payment amount, loan term, interest rate, property taxes, homeowners insurance, and applicable mortgage insurance.
Can I refinance my existing mortgage with Wescom Financial?
Yes. Wescom Financial offers mortgage refinance options that may help homeowners lower their interest rate, reduce monthly payments, shorten their loan term, or access available home equity through a cash-out refinance. Loan approval and eligibility requirements apply.
Can self-employed borrowers qualify for a mortgage?
Yes. Wescom Financial offers bank statement mortgage loan options that may help qualified self-employed borrowers demonstrate income using eligible bank statements instead of traditional income documentation. Additional requirements and underwriting guidelines apply.
How quickly can a mortgage loan close?
Closing timelines vary based on the loan type, property, and application circumstances. Wescom Financial offers a streamlined mortgage process and may be able to close certain qualified transactions in as little as 21 days, subject to eligibility and program requirements.
Do you offer mortgage loans outside of California?
Yes. Wescom Financial offers mortgage lending solutions in California and throughout the United States, subject to property location requirements, state licensing regulations, and loan program availability.
How do I get started with a mortgage application?
You can begin by applying online, scheduling an appointment, or speaking with a Wescom Financial Mortgage Loan Officer. A mortgage professional can help you compare loan options, understand qualification requirements, and guide you through the application and approval process.
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
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