Home & Auto Home Mortgages Finding the right house to call your home starts with a great mortgage. Whether you are buying a home or refinancing your mortgage, our in-house mortgage team is here to help. Local lending options with personalized service gives you the flexibility you need with the mortgage rates you deserve. Let us help you turn your dream of homeownership into reality with one of our financing options. How it works Prequalify Your Loan Prequalify before you start browsing homes or after when you know what price range you’re looking for. Shop for Your Dream home Find the dream home that fits your budget and continue on your home buying journey. Close and Move In Close on your new home and move in to complete the process. Home Loan options to fit your needs Build equity in your home* Different loan programs available for different needs Purchase, Refinance, or Cash Out Refinance Conventional, FHA and Jumbo Loans Fixed Rate and ARM Loans Terms from 10-30 years No obligation initial appointment Make mortgage payment online Easy to apply Low closing cost In-house servicing for efficiency and speed How to get started No obligation in-person appointment Meet with one of our friendly loan officers to learn all the details about borrowing money for your next home. Prequalification calculator Find out how much you could prequalify for by running your own numbers View our current rates When you are prequalified your rate is locked in for 45 days. That gives you and your agent time to view homes on the market and make the right decision for you. Review Program Qualifications We have various programs that help you finance the home that is right for you. Schedule an appointment with one of our team members to guide you towards your goal. Use Mortgage Calculators View our various calculators to see how much you can afford, cost of renting vs owning a home, and even what your payment schedule could look like. Start a home mortgage application Get Started Home Ownership the Strata Way Community Minded When you buy a home in your community and borrow money from a local credit union, that investment goes back into the community. Your payments don’t help fund a megabank. They go towards funding programs right here in your community through sponsorships. Not-for-profit At Strata Credit Union, we work to put the profits back in the pockets of our members – in the form of low rates and discounts. Dedicated to our members We offer an experienced Mortgage team to work with you throughout your home buying process. Access My Mortgage Sign in FAQs How can I manage my mortgage online? You can manage your mortgage online by visiting Your Mortgage Online. Disclosures *We loan on owner-occupied, as well as non-owner-occupied (up to four units) properties, including rental homes, second homes, and vacation properties. Subject property must be located in California to qualify for our mortgage loan programs.