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Credit Union West
Routing Number: 322172153
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Home Loans

Navigate the mortgage loan process with trusted, expert advice so that you can make the best possible decision.

Purchase Your Next Home with the Right Loan

Even if you have purchased homes before, it pays to have the right resources and support while you navigate the mortgage loan process. Whether you want to finance your home purchase with a traditional loan, ARM or low down-payment option, our real estate experts will help you weigh the options with honest, expert advice so that you can make the best possible decision. 

NMLS #410357

Featured Rates1

01/27/2023 rates as low as... 

Interest Rate
Term 5/1 ARM 7/1 ARM 15 Year 20 Year 30 Year 15 Year 30 Year 30 Year 30 Year
Points .75  .75  1.125 .75 1 1 1 .75
APR2 5.804% 4.930% 5.355 % 5.674% 5.941% 6.253% 6.252% 5.712% 5.850% 
Payment $1028  $1043  $1582  $1362 $1167 $1647 $1183 $1136 $4669

Contact us for additional loan programs including Down Payment Assistance, Alternative Document Programs, and Adjustable Rate Mortgages!

Choose The Loan That's Right For You

Adjustable Rate Mortgage

Fixed-rate on your initial term of five or seven years with an adjustable rate each following year.

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Guaranteed fixed interest rate and payment over the life of your loan.

FHA, VA, Or Jumbo Loan

Find the best mortgage option to fit your needs and budget.

With a Home Loan you get:

Mobile & Online Banking

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Online Payment Options


Additional Loan Options

First Time Homebuyers

As a first-time buyer, you need an experienced partner who has your back.

VA Loans

Partner with a credit union that has strong military ties who knows your qualification options.

Jumbo Loans

Take advantage of low rates on financing you can't get with a conventional loan.

Get Instant Answers

An adjustable rate mortgage, also called an ARM, is a home loan with an interest rate that adjusts periodically based on a pre-determined term.

The numbers in an ARM represent years. The first number refers to how long the initial fixed-rate period will be. The second number tells how often the mortgage rate can adjust thereafter.

For example, a 5/1 ARM has a fixed interest rate for the first 5 years of the loan and an adjustable interest rate each year for the remainder of its loan term.
During the prequalification process, you'll be asked to provide documentation verifying your income, job stability, and other credit factors. This will help us determine your mortgage rate and the maximum amount we may lend to you. It will also allow us to estimate your monthly payment before you purchase your new home.

In order to prequalify for your mortgage application, we may request the following documents: 
  • 2 most recent pay check stubs
  • 2 years W2(s) or 1099(2)
  • 2 most recent bank statements
  • Social Security award letter (if applicable)
  • Pension statement (if applicable)
  • 401K or retirement statements
  • Homeowners insurance agent contact information

1 Rate and Payment quotes for ARM, Conventional, FHA, and VA loans are based upon the rate assumption of a $200,000 loan amount and 40% down payment (net equity). Rate and Payment quotes for Jumbo loans are based upon the rate assumption of a $800,000 loan amount and 40% down payment (net equity). Rates, Payments and/or Fees may be higher based upon your credit score, LTV (loan to value), and purpose. The rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. 2 APR = Annual Percentage Rate.