East County Schools Federal Credit Union

Your home is probably the biggest investment you'll ever make so it's very important to secure the most cost effective loan that meets your individual needs. It's never been a better time to purchase, refinance, or use your home's equity for a worthwhile adventure. East County Schools Federal Credit Union loans money on primary and secondary residences located within most areas of Southern California.

1st Trust Deed Loans  
East County Schools Federal Credit Union can help you purchase or refinance your home. We offer first and second trust deed loans; both fixed rate conventional mortgages such as JUMBO mortgages, 3/1, 5/1 ARM (adjustable rate mortgages), and Interest only mortgages. Terms on these products range from 10 to 30 years. We also make loans for second homes and investment properties.

Our Mortgage Partner, Members Loan Services (MLS), can assist you through the entire process. Give them a call today at (858) 217-2470 or toll free at (888) 567-6989 for help with financing options, market trends and mortgage loan rates. Just click on the helpful links below for more information!

Second Trust Deed Loans
In the market for a specific loan amount with payments guaranteed not to change? East County Schools Federal Credit Union will loan up to 80% of the value of your home (less your first mortgage balance) on a fully amortized fixed rate loan. Convenient 5, 10, 15 year terms available, with no points, no application fee and no underwriting fee.

Home Equity Credit Lines
You can use our Home Equity Credit Line to borrow for home improvements, college tuition, a new vehicle, a vacation, medical bills, a family wedding, starting a home-based business, and any number of other major expenditures. You can draw on your approved limit for 10 years, with a 15- year re-payment thereafter.

Using our Home Equity Credit Line offers two key savings: First, the interest rate will be lower, much lower, than what you'd pay on a credit card or personal loan. And, you only draw on the funds you need, when you need it saving you in interest charges. Second, the interest you pay on a home equity loan is usually tax deductible, which further reduces the cost of borrowing (consult your tax adviser to find out what deductions you can take).

Select the Home Equity Credit Line that fits your need! We offer three Home Equity Credit Line Accounts to meet your individual borrowing needs. And, with our Home Equity Convenience Checks, access to you available credit is as easy as writing a check.

Equity Credit Line Loan limits up to 80% of the appraised value (Loan to Value or LTV) of your primary or secondary residence, with a maximum of $200,000 and a competitive variable rate tied to Prime.

Equity Plus Credit Line With our Equity Plus you can borrow up to 100% of the appraised value (Loan to Value or LTV) of your primary residence, with a maximum of $100,000.

Investor Equity Credit Line If you have Investment Property, this is the credit line for you. Loan limits up to 75% of the appraised value (Loan to Value or LTV) on your Investment (rental) Property, with a maximum of $50,000.

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