Unlock the Door to Your Dream Home
Lock in a Wescom Mortgage
Whether you're an existing homeowner looking for options to decrease your payments, or you're considering homeownership for the first time, knowing your options is the first step. Plus no matter what mortgage solution you choose, we'll lock in the best rate possible during the application process.†
Loan Options to Fit Your Needs
High LTV Mortgages*
- 100% loan to value (LTV) up to $650,000
- 97% loan to value (LTV) up to $650,000
15/15 Adjustable Rate Mortgages**
- One-time adjustment after 15 years for purchases and refinances up to $1.5 million
Conventional, Fixed Rate Jumbo, VA, and Federal Housing Administration Mortgages
Home Equity Lines of Credit (HELOC)
Ready to unlock your dream home? Start by reviewing the Mortgages module or the Considering Home Ownership module in our Financial Education Center at wescom.org. Learning more about the home-buying process will help prepare you to meet with one of our knowledgeable loan officers to choose the mortgage option that's right for you. Call us at 1-888-4WESCOM (1-888-493-7266) ext. 5900 or apply online.
*LTV = Loan-to-value. Regardless of the county's maximum loan limit.
**The 15/15 ARM is a 30-year 1st lien mortgage loan which is fixed for 15 years then adjusts once. At the adjustment, the rate and monthly payment may increase based on the index plus margin but will not increase by more than 6% over the starting Note rate or decrease to less than the Note rate. The resulting payment change will be fixed for the remaining 15 years of the loan. The index is the 10 year Constant Maturity Treasury (CMT) index as published in the Wall Street Journal.
†Wescom will lock interest rate at the time of application. If the interest rate is higher at the time of closing, the rate will remain the same as at the time of application. If the interest rate is lower at the time of closing, the rate will decrease from the original rate at the time of application. FHA/VA loans not eligible. Loan application must be submitted and interest rate locked by July 31, 2018 in order to qualify, terms and conditions subject to change.
All borrowers may not qualify for all loan programs, must meet underwriting guidelines, and are subject to credit review and approval. This does not constitute a commitment to lend. Loan approval is subject to income, credit, and property valuation. Other terms and conditions apply. Ask your Loan Officer for details.
Membership in Wescom Credit Union is required to obtain a home loan. Anyone who lives, works, worships, or attends school in the seven Southern California counties is eligible to open an account at Wescom. Certain conditions and restrictions apply. Ask for further details. Wescom Credit Union NMLS #999430.
Enter Your Account or Card Number When You Call Us
Get Faster Service
When you call 1-888-4WESCOM (1-888-493-7266) to speak with a Member Service Representative, be sure to say or enter your account number. If you don't have your account number handy, you may enter your Wescom Debit or Credit Card number when prompted. This will help us quickly identify your account and save you time.
Finding Your Account Number
You can easily locate both your Account number and the Wescom Routing Number on one of your checks, in eBranch, or the Wescom Mobile Banking App. In eBranch, select Account Info from the Menu and choose Routing & Account Number. In mobile, select the Menu from the top left and choose Routing & Account Number.