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Southland Home Loans

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Adjustable Rate Mortgages

An Adjustable Rate Mortgage features a low rate for a fixed period of time, from three to ten years. After that, your rate may fluctuate periodically, either every one or five years.

Fixed-Rate Mortgages

A Fixed-Rate Mortgage will keep the same rate for the life of the loan. Homebuyers can choose terms up to 30 years, with a fixed monthly payment.

Investment Property Loans

An Investment Property Loan for non-owner occupied and multifamily homes offers more flexibility for real estate investors.

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Privacy Policy

Loans are available to Southland Credit Union Members only. Credit Union Membership is subject to eligibility. Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates may apply based on your individual credit profile. NMLS #685526.

APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.

ARM=Adjustable Rate Mortgage. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. Rates are subject to increase or decrease at the end of the fixed rate period, may adjust annually, and are based on an index plus a margin. The current index is the 1-Year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. The 5 year Constant Maturity Treasury (CMT) is used as the index for the 5/5 ARM product. P&I payment is subject to change after first interest adjustment.

Southland will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.

Fixed-Rate Loans: Loan amounts vary and depend on property location and number of units. Maximum Loan Amount: Up to 95% combined loan-to-value for purchase and limited cash out. Up to 80% for cash out. 97% loan-to-value for first time homebuyers.

Jumbo Loans: Jumbo Loans are mortgages that exceed $679,650. Loan amounts vary and depend on property location and number of units. Maximum Loan Amount: Up to 75% combined loan-to-value for purchase and limited cash out. Up to 70% for cash out.

PO Box 3003

Los Alamitos, CA 90720-1303

800-426-1917 (Toll Free)
562-862-6831 (Local)

info@southlandcu.org

NMLS#685526

Privacy Policy

Loans are available to Southland Credit Union Members only. Credit Union Membership is subject to eligibility. Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates may apply based on your individual credit profile. NMLS #685526.

APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.

ARM=Adjustable Rate Mortgage. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. Rates are subject to increase or decrease at the end of the fixed rate period, may adjust annually, and are based on an index plus a margin. The current index is the 1-Year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. The 5 year Constant Maturity Treasury (CMT) is used as the index for the 5/5 ARM product. P&I payment is subject to change after first interest adjustment.

Southland will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.

Fixed-Rate Loans: Loan amounts vary and depend on property location and number of units. Maximum Loan Amount: Up to 95% combined loan-to-value for purchase and limited cash out. Up to 80% for cash out. 97% loan-to-value for first time homebuyers.

Jumbo Loans: Jumbo Loans are mortgages that exceed $679,650. Loan amounts vary and depend on property location and number of units. Maximum Loan Amount: Up to 75% combined loan-to-value for purchase and limited cash out. Up to 70% for cash out.