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.1

Get our current home loan rates.

Plus, we've recently lowered our 30-year Fixed Jumbo home loan rates to as low as 4.125% interest rate with zero points, 4.178% APR, and up to $1,500 toward closing costs!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. 

Looking to save more? For a limited time, we're offering a free appraisal up to $600. Just mention promo code "Appraisal18" when you apply between March 5 and April 30, 2018 to purchase or refinance your home.

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 $100,000 or $400,000 15-year fixed-rate mortgage, you could benefit from a loan with a 3.875% interest rate/4.206% APR.4 

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).5


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 4.125% + 0 points (4.178% APR) for 360 monthly payments is $3,635. Actual rates may vary based on credit history, term, loan amount, and underwriting factors. This is not a commitment to lend. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Credit and collateral are subject to approval. Additional terms, conditions and restrictions apply and are subject to change at any time. Programs, rates, terms and conditions are current as of April 13, 2018 and are subject to change at any time without notice. The $1,500 credit toward closing costs includes a .125% rebate (rebate example for $750,000 loan amount results in $937.50 reduction to closing costs) and Xceed’s promotional free appraisal offer (up to $600). Xceed’s promotional free appraisal offer applies only to Xceed Financial first mortgage loan or refinance applications received from March 5, 2018 through April 30, 2018. Offer cannot be combined with any other offers, except Xceed’s 15-day, ready to close guarantee program. To redeem the free appraisal offer, you must enter the promo code when applying online, by selecting “Appraisal18” from “How did you Hear About Us”? Xceed Financial will pay for the cost of appraisal (up to $600). No cash value offered for the difference if your appraisal is less than $600. Offer limited to one appraisal per transaction. Appraisal fee will be collected upfront and credited at closing.

3Xceed’s promotional free appraisal offer applies only to Xceed Financial first mortgage loan or refinance applications received from March 5, 2018 through April 30, 2018. Offer cannot be combined with any other offers, except Xceed’s 15-day, ready to close guarantee program. To redeem the free appraisal offer, you must enter the promo code when applying online, by selecting “Appraisal18” from “How did you Hear About Us”. Xceed Financial will pay for the cost of appraisal (up to $600). No cash value offered for the difference if your appraisal is less than $600. Offer limited to one appraisal per transaction. Appraisal fee will be collected upfront and credited at closing

4APR=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 New York at 60% loan to value and a borrower with excellent credit. Payment does not include taxes and insurance. Example for $100,000 loan amount at 3.875% + 0.50 points (4.206% APR) for 180 monthly payments is $734; for $400,000 at 3.875% + 0.50 points (4.052% APR) for 180 monthly payments is $2,934. 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 February 23, 2018 and are subject to change at any time without notice. Points paid for a lower rate on a purchase loan may be tax deductible. Ask your tax advisor for details. More rate options available!

5Terms 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.