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Finance

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Home Loans

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Your trusted lending partner


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What Is It?

How can we help you?

Yolo Federal offers you plenty of options, including both Adjustable and Fixed-Rate Loans, to get you the Home Loan that’s right for you. Whether you’re searching for a new home or looking to refinance, our experienced team will be with you every step of the way.

For a limited time — make your move without the extra costs.

We’re waiving 3rd party fees* at closing on conventional Home Loans (sorry, Mobile Homes not included). Here’s the deal:

  • You’ll skip the fees at closing if your loan remains with us for at least 2 years.
  • Maximize your savings with no limit on 3rd party fees we’ll waive.
  • Less financial stress so you can focus on enjoying your home.

Submit your application by 3/31/25 and let us make your home-buying journey smoother (and lighter on fees).

  • I'm ready to purchase a home.

    Our experienced team is ready to help you finance your dream home. Apply today, complete the form below, or schedule an appointment online to speak with a Real Estate Center Representative.

    Real Estate Form

    To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.

    • To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.
    • Property must be located in Yolo, Sacramento, Placer or El Dorado counties or be within 50 miles of our corporate office.
    • To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.
    • This field is for validation purposes and should be left unchanged.

    Click here to read the California Consumer Privacy Act.

  • I'm a First-Time Homebuyer.

    Whether you’re just researching or ready to get pre-approved, you can trust that Yolo Federal will help guide you every step of the way. Click here to learn more about the home buying process or schedule an appointment online to speak directly with a Real Estate Center Representative. Ready to get started? Apply today!

  • I want to refinance.

    We could help you lower your monthly payments and quickly pay off your home loan. Click here to learn more about the benefits of refinancing. Apply now or schedule an appointment today to speak with a Real Estate Center Representative.

  • I want to use my home's equity.

    Fixed 2nd Mortgage

    With a fixed rate and an end date, you’ll never have to worry about your payment changing. So, when you’re done, you’re done! Visit our webpage to learn more, or schedule an appointment today. Ready to apply? Click here to go to our online application.

    Home Equity Line of Credit (HELOC)

    A HELOC gives you the flexibility to use what you need rather than in a lump sum. Schedule an appointment with a representative today! Or, to learn more about our HELOCs, click here.

We want to ensure you have the smoothest Home Loan experience possible. To help, we’ve put together a list of suggestions of what to do (and what to avoid) during your Home Loan process.

  • What to do:

    Do get pre-approved for a loan before you shop for a new home.

    Do get together all documents requested by your loan officer or processor to speed up the loan process.

    Do obtain homeowner’s insurance quotes early in the loan process.

    Do keep all your existing Credit Card accounts open.

    Do stay up-to-date on your existing loan accounts, including student loans.

  • What to avoid:

    Changing jobs, becoming self-employed, or quitting your job.

    Applying for any new lines of credit.

    Maxing out any of your existing Credit Cards.

    Making any large purchases.

    Co-signing a loan for anyone.

    Changing bank accounts.

    Making any large deposits to your accounts.

    Starting any minor or major renovations until after your loan is complete.

    Being afraid to ask questions.

Home Loan Checkup

We offer a free financial review to help uncover opportunities to save money, consolidate debt, or reduce your rate. Get started by scheduling an appointment with a Real Estate representative today!

Why Yolo Federal

Loans that will make you feel right at home

  • Customized loan packages that fit your budget
  • Competitive rates
  • Loan amounts up to $1 million
  • Easy online application

Education

Unlock Your Financial Wellness with a Home Loan Checkup

More Home Loans Related Posts

FAQs

  • What are your current rates?

    Real estate rates can change daily and are subject to creditworthiness. Contact our Real Estate Department to see what the current rates are.

  • How do I schedule an appointment?

    Schedule a call with a Real Estate Representative to discuss your needs and learn more about our Home Loans.

  • What type of Home Loans does Yolo Federal offer?
    • Fixed-Rate
    • Adjustable-Rate
    • Jumbo Loans
    • Mobile Home Loans
  • Can anyone apply for a Home Loan?

    To apply, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.

    To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.

  • Is Yolo Federal waiving any fees for Home Loans?

    Yes! For a limited time, Yolo Federal will waive 3rd party fees* at closing on conventional loans (excluding Mobile Home Loans), provided the loan is not paid off within 2 years. Members are required to pay for the appraisal upfront but will be reimbursed at closing. This offer is valid for applications submitted by 12/31/24.

Don't see the answer to your question?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
  • This field is for validation purposes and should be left unchanged.

  • Disclosures

    *The Third-Party Closing Costs Offer (“Offer”) waives all third-party closing fees and is valid for First Mortgages only 10/25/24-3/31/25 (“Promotional Period”). Mobile Home Loans are excluded. Second Mortgages qualify for waived third-party fees under a separate offer. To qualify, a mortgage loan application must be submitted within the Promotional Period and the loan must be funded prior to the application expiration date. Appraisal fees will be reimbursed at closing. If the mortgage loan is paid off and closed within 24 months, all waived third-party fees must be repaid to Yolo FCU. Property insurance is required, and flood insurance may be required based on property location. Some restrictions may apply.

    Based on a $400,000 loan amount at 7.06% fixed APR, monthly payments would be approximately $2,662 over a 30-year term. Estimated closing costs before waiving third-party fees are $6,524. Estimated waived third-party fees are $4,320. Individual savings may vary.

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You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website.

To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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We closely monitor for potential fraud and proactively work to protect members. Click "Learn More" for information about Fraud Text Alerts. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

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