Whether you are purchasing or refinancing a home our members get great rates.


Already have a mortgage with us? Take the ‘Xpress’ and get a lower rate!

Current Spectrum CU mortgage holders can take advantage of a streamlined process, minimal fees, and our lowest rates. See the Purchase Rates on this page, and call us at 510-251-6010 or 888-750-4124 to get started!

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Get a Personalized Quote

If you'd like to get an idea of the mortgage rate you may qualify for, we invite you to get a personalized rate quote.

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Start Your Application

If you're ready to get started, start your online mortgage application. Our Home Loan Help Desk is available at 510-251-6010 or 888-750-4124.

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Purchase Rates



Refinance Rates





*“Conforming” loan amounts are less than or equal to $510,400; $765,600 in AK and HI. “Jumbo” loan amounts are greater than $510,400; $765,600 in AK and HI.

0 point pertains to the "Origination Point Fee" and there may be other loan level pricing adjustment (LLPA) costs that still apply. These can be affected by the applicant's loan-to-value, credit score, cash-out, occupancy status, and other factors.



Rate Assumptions

Annual Percentage Rates (APR) are calculated based on a loan amount of $510,400 for conforming loans, $765,600 for Jumbo loans. The amortization term for Adjustable Rate Mortgage (ARM) programs is 30-years.

Rates shown are for a credit score of 740 or better, purchase, one unit, owner-occupied property on a 45 day lock, based on an 80% or less loan to value ratio. Your rate may be different.

If down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR.

For adjustable-rate mortgages (ARMs), rates are subject to increase after consummation.

For the 7/1, 5/1, and 3/1 ARM programs the interest rate is fixed for the initial 7, 5, or 3 years. After the initial fixed period, the rate will adjust annually for the remaining term. For the 5/5 ARM program the interest rate is fixed for the initial 5 years and will adjust every 5 years for the remaining term.

Other amortization terms available.

Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four family units. Other restrictions on property may apply. Property insurance required. Flood insurance may be required.

Rates subject to change daily.

Rates are not guaranteed until locked.

Click here for the interest rate cap table.

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