Mortgages

For seasoned pros and first-time home buyers

Xceed Mortgage Loan Officers are ready to help you through the process of choosing a home loan. And, with our Closer to Home program we guarantee we'll have your loan processed and final documents ready to sign in just 15 business days, or we'll waive our processing fee.

Plus, we've recently lowered our 30-year Fixed Jumbo home loan rates to as low as 3.875% interest rate with zero points and 3.929% APR.2

To take advantage of this limited-time offer, you must call us at 877.XCEED.11 (877.923.3311) or submit a request for a custom quote to get started today. 

Get a customized quote! 

Flexible options to meet your needs!

Fixed-Rate Mortgages

You choose the loan amount and we give you the same great fixed rate! Whether you choose a $200,000, $400,000, $800,000 or up to $2.5 million 30-year fixed-rate mortgage, you could benefit from a loan with a 3.875% interest rate/4.008% APR3

Adjustable-Rate Mortgage (ARM)

You'll enjoy lower rates and lower monthly payments for the initial loan period, after that your fixed rate changes to an adjustable rate and your payments may increase. 

Additional Home Loan Options

HomeReady®A program for home purchase and refinance that offers lower costs and easier qualification than conventional home loans.

FHA LoansA government-secured loan featuring a down payment as low as 3.5%.

Relationship Perks

Once you have a mortgage with us, you're eligible for additional discounts off of our other loans, including our already low-rate auto loans! To learn more, call us at 800.XFCU.222 (800.932.8222).4


1Certain terms, restrictions and conditions apply, are subject to change and may be discontinued at any time. This is not a commitment to lend. Offer valid 12/01/17 - 12/31/18. Closer to Home, 15 day guarantee is defined as Xceed Financial Credit Union will have cleared all lender conditions so that final loan documents are ready to be sent to the member’s closing agent within 15 business days. Member must be pre-approved by Xceed prior to contracting to buy the home; preapproval must be current, within 90 days of contract with no material financial changes. Buyer must provide to Xceed within 2 days of offer acceptance: an executed sales contract, all loan documentation as required, member’s authorization to proceed with the loan and any upfront fees. Loan rate, amount, and terms must be locked and remain unchanged at least 10 business days prior to the “Closer to Home, 15 day guarantee” signing date. Escrow period not to exceed 45 days. Offer available only for conforming, high balance conforming and portfolio purchase loans on single family residences including condos and PUDs. Limited to CA, CO, CT, FL, NC, NJ, NY, PA, and TX. Offer not valid for FHA/VA loans, HELOCs, second mortgages or refinance loans. Xceed will waive the entire processing fee, up to $895, if the 15 business day timing is not met, provided all other conditions are met. Guarantee does not apply to events beyond the control of Xceed, including appraised value, borrower/seller/third-party delays, outside second lien holder approval, short sale approval, lender conditions that cannot be met by any party, or acts of God, i.e. inclement weather. Ask an associate for details.

2APR=Annual Percentage Rate. Certain terms, restrictions and conditions apply and are subject to change at any time. This is not a commitment to lend. Rate quoted based on owner-occupied, single family residence purchase in California at 60% loan to value and a borrower with excellent credit. Payment does not include taxes and insurance. Example for $750,000 loan amount at 3.875% + 0 points (3.929% APR) for 360 monthly payments is $3,527. Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Credit and collateral are subject to approval. Programs, rates, terms and conditions are current as of January 29, 2018 and are subject to change at any time without notice. 

3APR=Annual Percentage Rate. Certain terms, restrictions and conditions apply and are subject to change at any time. This is not a commitment to lend. Rate quoted based on owner-occupied, single family residence purchase in California at 60% loan to value and a borrower with excellent credit. Payment does not include taxes and insurance. Example for $200,000 loan amount at 3.875% + 0.625 points (4.008% APR) for 360 monthly payments is $941; for $400,000 at 3.875% + 0.625 points (3.988% APR) for 360 monthly payments is $1,881; for $800,000 loan amount at 3.875% + 0.625 points (3.978% APR) for 360 monthly payments is $3,762; for $2.5 million loan amount at 3.875% + .875 points (3.993% APR) for 360 monthly payments is $11,756. Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Credit and collateral are subject to approval. Programs, rates, terms and conditions are current as of January 4, 2018 and are subject to change at any time without notice. Points paid for a lower rate on a purchase loan may qualify for possible tax deduction(s). Please consult your tax advisor for additional information regarding the deductibility of points.

4Terms and conditions apply. Discounted rate may not be lower than the lowest rate on the rate sheet by product type with the Automatic Payment Discount applied to such rate. Early payoff of a Mortgage Loan will result in termination of the discount, unless the loan is refinanced with Xceed or extra payments resulted in the early payoff.