Thank you for considering USC Credit Union for your mortgage loan needs. As you might be aware, we are one of many financial institutions experiencing a high volume of applications. As such, it may take us longer than usual to respond to inquiries. Rest assured, we are working arduously to process all applications as soon as possible and to the best of our ability. Thank you in advance for your patience!

Are you tired of renting and ready to purchase your first home? Are you out of space and need a larger home for your family? Or are you wondering if refinancing your current mortgage could save you money? Regardless of your situation, you've come to the right place.


Reasons why we are a smart choice for your mortgage:

  • No points or hidden fees
  • Qualify with as little as 3% down1
  • Loans up to $1MM (Fixed) and $2MM (Variable)
  • Fast pre-qualification and closing on time
  • Save up to 20% with our Agent Referral Service

Get Pre-Qualified!
Or Check Today's Rates

Our mortgage specialists will help you explore your options and decide which loan is right for you. If you're a first-time buyer, we have a program that leads you step-by-step through the process and offers valuable perks.


Let our resource tools guide you home:

Home Equity Line of Credit
Our home equity lines of credit—or HELOCs—are open-end loans based on the value of your residence minus your mortgage balance. Eligible members can use these funds for substantial home improvements, large expenses and other needs. Learn more today!
First-Time Home Buyer Program
Buying a home is an exciting event. It's also a complex process that becomes simplified when you partner with USC Credit Union. Our First Time Home Buyer Program will provide you with the education and guidance you need to buy your home with confidence.
Free Home Buyer Guide

We’ve helped thousands of our member-owners reach their homeownership goals and we will do the same for you. Download our Free Home Buyer’s Guide and learn about the entire home-buying process including:

  • Understanding how mortgages work and how much they cost
  • What you need to do before starting your search
  • Selecting the right agent
  • Choosing the right neighborhood
  • Much, much more!

Our Rates are Better. So are We.

USC Credit Union was established over 45 years ago as the University of Southern California’s own financial services institution. USC Credit Union is not a bank. As a member-owned credit union, we're here to serve you – not shareholders – with better-than-bank interest rates, fewer fees and personalized local service.

USC Credit Union is proud to partner with the USC Alumni Association to provide you with financial services you need for every stage in life. We put financial success in your hands, where it belongs. Own your future today!