Buy n Refi

EZ Buy n Refi

Perfect homes don't wait - why should you?

Secure your dream home today and refinance at a better rate tomorrow!

Move in now, refi later, and save $1,500*

You don’t have to miss out on the perfect home waiting for perfect rates. With our EZ Buy n Refi mortgage plan, you can get the keys to your dream home now, settle in without the stress, and refinance if rates drop.

Buy Now

Purchase your new home with a competitive fixed-rate or adjustable-rate mortgage. Move in faster with a close process of 30 days or less.

Refi Later

If rates drop, you can refinance to a better rate within three years (36 months) of your purchase date. You decide the best time to make your move!


Receive a $1,500 discount* on your refi closing costs. Couple that with the thousands you can potentially save over the life of your mortgage!
Buy n Refi (2)

We offer more ways to get you home

  • Conventional loans for qualified borrowers.
  • Accessible FHA, VA, and other government-backed loans.
  • Super jumbo loans for homes that require larger loan amounts.
  • Competitive fixed-rate and adjustable-rate (ARM) home purchase options.
  • Free consultations and pre-qualification.
  • Loans in all 50 states.

Not interested in buying but want to use your current home equity to cash out or make a home improvement? We have affordable home equity loan options for that as well!

Contact us today for a no-obligation consultation

We are member-owned, which means your financial well-being is our priority. We won't burden you with a loan that doesn't fit your needs or budget. Our dedicated team of experienced and friendly home-lending professionals will guide you through every step of the process.

Guillermo Monterrosa
Real Estate Loan Specialist

Guillermo Monterrosa has over 33 years of home lending experience and has been servicing USC Credit Union’s members’ real estate needs since 2002. He is bilingual and specializes in Conventional and Equity loans.

Mobile: (213) 605-3564

NMLS: #491919
Joe Gonzalez
Real Estate Loan Specialist

Joe Gonzalez has been helping families achieve homeownership for more than 28 years. He is bilingual and takes extra pride in assisting first-time home buyers reach their goals.

Mobile: (213) 605-3580

NMLS: #695529

If you have any questions regarding this special offer, contact Guillermo or Joe directly, schedule an appointment, or fill out the form below and we’ll connect you with our mortgage specialists!

*Loans are subject to credit approval. California properties only. Membership in USC Credit Union is required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877) 670-5860 or visit to confirm eligibility. Adjustable Rate Mortgages (ARMs) do not qualify for this offer. To receive the $1,500 closing cost credit, the purchase transaction must close with USC Credit Union, refinance must occur within 36 months from the closing date of the purchase transaction, and the minimum loan amount must be $250,000. Verification of income, assets, appraised value, hazard and, if applicable, flood insurance will be required. PMI will be required on loans with loan to value exceeding 80%. Payments will be higher with property taxes and insurances. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. 
NMLS #448984