Mortgages

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FIXED AND ADJUSTABLE RATE HOME LOANS

Whether you’re looking for the comfort of a steady rate, or looking for a low variable rate, we are here to help. We make the process as simple as can be, so you can purchase or refinance with ease.

Have a mortgage loan in process? To check your loan status, click here.

Refinancing Your Mortgage?
Request a Subordination
Questions? Call us at 619-297-4835

Tailored to You

Handle your mortgage online, by phone or in person

Online Application

Apply 24/7, 7 days a week

Lock in Your Rates

Lock in your rates when you apply online

Purchase or Refinance

Buy a new home or get a better rate on your
existing home loan

Fixed and Adjustable Rates

Find the rates and terms that work best for you

Loan Options

Jumbo, FHA, VA loans and Reverse Mortgages available

Mortgage Resource Center
Wheelhouse Credit Union has been serving the needs of San Diegans since 1934 – we are San Diego Made and proud. We are best known for our commitment to helping both our Members and our beautiful city thrive and look forward to assisting you in finding the perfect home loan to achieve your goals.
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TODAY’S MORTGAGE RATES

Conforming

Term	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Rates are effective January 15, 2021 and are subject to change without notice. *APR = Annual Percentage Rate. All loan programs, rates, APR, points and terms listed are subject to change without notice. All loans are subject to credit approval. 15-Year and 30-Year Fixed ¹Today’s rates assumes the following: • Purpose of the loan is for purchase a single-family, primary residence • A minimum credit score of 740 • Loan amount of $350,000 • Rate lock period is 45 days • The loan rates assume a 80% loan-to-value, no down payment requirement and does not include Private Mortgage Insurance (PMI) • Payment examples do not include cost of property taxes or insurance, so the actual payment obligation will be greater
Term Fixed	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term 15-Year	Rate 2.000%	Points 0.000%	APR* 2.103%	Estimated Payment Per $1,000 Borrowed¹ $6.44
Term 30-Year	Rate 2.625%	Points 0.000%	APR* 2.683%	Estimated Payment Per $1,000 Borrowed¹ $4.02
Term Adjustable-Rate Mortgages (ARM)	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term Call us for a custom rate quote	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹

JUMBO Rates

Term	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Rates are effective January 15, 2021 and are subject to change without notice. *APR = Annual Percentage Rate. All loan programs, rates, APR, points and terms listed are subject to change without notice. All loans are subject to credit approval. 15-Year and 30-Year Fixed ¹Today’s rates assumes the following: • Purpose of the loan is for purchase a single-family, primary residence • A minimum credit score of 740 • Loan amount of $765,601 • Rate lock period is 45 days • The loan rates assume a 80% loan-to-value, no down payment requirement and does not include Private Mortgage Insurance (PMI) • Payment examples do not include cost of property taxes or insurance, so the actual payment obligation will be greater
Term Fixed	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term 15-Year	Rate 2.500%	Points 0.000%	APR* 2.557%	Estimated Payment Per $1,000 Borrowed¹ $6.67
Term 30-Year	Rate 3.125%	Points 0.000%	APR* 3.159%	Estimated Payment Per $1,000 Borrowed¹ $4.28
Term Adjustable-Rate Mortgages (ARMS)	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term Call us for a custom quote	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹

Home Loan Calculators

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Disclosures

Secure and Fair Enforcement for Mortgage Licensing Act of 2008
On July 28, 2010 the National Credit Union Administration (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLO’s to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

Click here for a listing of Wheelhouse Credit Union 791892 MLOs.