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Contact Information
Direct: (925) 335-3870
Email: Send Email
We all love saving time and money!
 
 
Check out how simple it can be.

With a $400,000.00 Mortgage

30 year, fixed rate mortgage at 4.25% APR*
has a principal and interest payment of
$1967.76
with finance charges estimated at
$308,393.36

20 year, fixed rate mortgage at 3.875% APR*
has a principal and interest payment of

$2397.66
and finance charges estimated at
$175,436.86

 So for about $430.00 more per month, you can
Save 10 Years and around $133,000.00
in finance charges!
 
Call us today to save some 
serious time and money! 
 
(925) 335-3870
 
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We operate a full-service Mortgage Loan Department and offer very competitive home loan rates.

Mortgage Options:

First Mortgage
Second Mortgage

Please call for mortgage loan rates (925) 335-3870.

Be sure to read our helpful
Home Buying Tips!

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Mortgage Department Hours:
Monday – Thursday | 9:00am – 4:00pm
Friday | 9:00am – 5:00pm

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*APR = Annual Percentage Rate. Mortgage amount, rates and terms are only examples and estimations. Call our Mortgage Department at 925 335-3870 for actual costs. Example Quotes: 4.302% APR for 30 years and 3.946% APR for 20 years. Taxes and insurance are not included in these calculations. Rates cannot be guaranteed and are subject to change without notice. Loans subject to all policies and procedures. Quoted conforming rates are based on a loan amount of $400,000 with loan-to-value (LTV) not to exceed 75% of appraised value. There are no pre-payment penalties on these quotes. 
1st Northern California Credit Union does not charge points. 
1st Northern California Credit Union - NMLS ID # 580488
1st Northern California Credit Union - NMLS ID # 580488
1111 Pine Street, Martinez, CA  94553
Direct:  (925) 335-3870
Encompass@1stnorcalcu.org
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