--- title: Perfect homes don't wait - why should you? description: With our EZ Buy n Refi loan option, you can lock in today's low mortgage rates, and you'll also receive a $1,500 discount on your refinance closing costs!* --- [![USCCU\_2\_logos\_screen\_no-tagline-02-2](https://info.usccreditunion.org/hs-fs/hubfs/USCCU_2_logos_screen_no-tagline-02-2.png?width=200&height=68&name=USCCU_2_logos_screen_no-tagline-02-2.png "USCCU_2_logos_screen_no-tagline-02-2")](https://www.usccreditunion.org/) - [Services & Products](https://www.usccreditunion.org/) - Bank - [Checking Accounts](https://www.usccreditunion.org/checking-accounts/) - [Savings & Investments](https://www.usccreditunion.org/savings-and-investments/) - [Access & Services](https://www.usccreditunion.org/access-services/) - [Rates](https://www.usccreditunion.org/rates/) - [Insure](https://www.trojaninsurance.org/) - Borrow - [Credit Cards](https://www.usccreditunion.org/credit-cards/) - [Personal Loans](https://www.usccreditunion.org/personal-loans/) - [Home Loans](https://www.usccreditunion.org/home-loans/) - [Solar Loans](https://www.usccreditunion.org/solar-loans/) - [Student Loans](https://www.usccreditunion.org/student-loans/) - [Vehicle Loans](https://www.usccreditunion.org/vehicle-loans/) - Learn - [Banking Advice](https://www.usccreditunion.org/banking-advice/) - [Borrower Advice](https://www.usccreditunion.org/borrower-advice/) - [Financial Wellness](https://www.usccreditunion.org/financial-wellness/) - [Blog](https://www.usccreditunion.org/blog/) - Impact - [Community](https://www.usccreditunion.org/community/) - [About USCCU](https://www.usccreditunion.org/about-usccu/) - [Careers](https://www.usccreditunion.org/about-usccu/careers/) - [Events](https://www.usccreditunion.org/community/events/) - Membership - [Benefits](https://www.usccreditunion.org/join-usccu/benefits/) - [Am I Eligible?](https://www.usccreditunion.org/join-usccu/am-i-eligible/) - [Special Offers](https://www.usccreditunion.org/join-usccu/special-offers/) - [ATMs & Branches](https://www.usccreditunion.org/locations/) ![Buy n Refi](https://info.usccreditunion.org/hubfs/Buy%20n%20Refi.png "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! [![Get Pre-Qualified](https://no-cache.hubspot.com/cta/default/316709/interactive-171302349626.png)](https://info.usccreditunion.org/hs/cta/wi/redirect?encryptedPayload=AVxigLIITT9c2qsFi4O7v4fczv3ZvIhhBIRXdy6MqRQkCKB08477BgYLhzLtX%2BXGNUb5QMv4gqaA5gLwQO7GdbgT%2FLt7%2ByJ2pODwxOitDv%2BTJ6XF3%2FnT99dvP9uWmlgyCbkymQUqP0zD4K1EuskRUX5XkW%2BMbpGYLJQYEJMQrWKLvAILvb9n%2FD9L%2FTou61wn8n0GNFsUXmdFJSIO8qgr6fkv6UhIO9zpxpyDed3Ro%2BcCIBfYCofKjpcs90bo4p1LYz%2BixaVDMGXc6yBc&webInteractiveContentId=171302349626&portalId=316709&hsLang=en-us) [![See Today's Rates](https://no-cache.hubspot.com/cta/default/316709/interactive-171302349634.png)](https://info.usccreditunion.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJBibj9hUFpnTRgiB0evoTf1b%2BNkMtBMEFCe8bozidUjOnmTaHcniSYB6SXK0npyiuw36ldSWFw2BvVJwJK42NVYKIi5SdTKOyAV0DaLEzDW5LNEg07n%2BrPyOGMCSqrKzJ%2F1d%2BWUg1u45LKKEZOKUO%2BZRix2kKy2SrSQyo5TIlGpbYASs%2BASPkEL8dSSGR9aQMgIuupjP%2FAvA7nOqMEFa9UiJEnM9e1yGlerpZKRy0d%2BNFZ8aUisE19&webInteractiveContentId=171302349634&portalId=316709&hsLang=en-us) ## 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! ### Save 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)](https://info.usccreditunion.org/hubfs/Buy%20n%20Refi%20(2).png "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](https://www.usccreditunion.org/home-loans/). - 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 option](https://www.usccreditunion.org/products/home-equity/)s 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. [![Schedule an Appointment](https://no-cache.hubspot.com/cta/default/316709/interactive-171588399214.png)](https://info.usccreditunion.org/hs/cta/wi/redirect?encryptedPayload=AVxigLI2%2F9J4W7cp4lNso3UAMv0EwpJCO01WJmP7kYhx8MRQKFs1VED06X8OltFYJ6I7bObzYnOSui5lH5%2FVVgusxta5dpDGRClbaTVmdnHSpb0SEUA%2B%2FZ3EbvI78G%2ByG2IOkqQte7Wk4MO9nGIyCbJS2jvoc3CeDsOwTczuI%2BTWHB8I7gRHSTRFXgVihIWjfS%2BJMVrKiEh8YU9cTjIzpSQQM2bxMxQY&webInteractiveContentId=171588399214&portalId=316709&hsLang=en-us) Yara Cruz Real Estate Loan Specialist Yara has over 20 years of experience in the home lending industry. Throughout her career, she has helped clients with a wide range of financing needs, from first-time home purchases to refinancing. Bilingual in English and Spanish, Yara is dedicated to building strong relationships and providing tailored loan solutions that meet each client’s unique goals. **Email:**  [ycruz@usccreditunion.org](mailto:ycruz@usccreditunion.org) **NMLS:** #824520 [![Get Pre-Qualified](https://no-cache.hubspot.com/cta/default/316709/interactive-171302349626.png)](https://info.usccreditunion.org/hs/cta/wi/redirect?encryptedPayload=AVxigLIITT9c2qsFi4O7v4fczv3ZvIhhBIRXdy6MqRQkCKB08477BgYLhzLtX%2BXGNUb5QMv4gqaA5gLwQO7GdbgT%2FLt7%2ByJ2pODwxOitDv%2BTJ6XF3%2FnT99dvP9uWmlgyCbkymQUqP0zD4K1EuskRUX5XkW%2BMbpGYLJQYEJMQrWKLvAILvb9n%2FD9L%2FTou61wn8n0GNFsUXmdFJSIO8qgr6fkv6UhIO9zpxpyDed3Ro%2BcCIBfYCofKjpcs90bo4p1LYz%2BixaVDMGXc6yBc&webInteractiveContentId=171302349626&portalId=316709&hsLang=en-us) [![See Today's Rates](https://no-cache.hubspot.com/cta/default/316709/interactive-171302349634.png)](https://info.usccreditunion.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJBibj9hUFpnTRgiB0evoTf1b%2BNkMtBMEFCe8bozidUjOnmTaHcniSYB6SXK0npyiuw36ldSWFw2BvVJwJK42NVYKIi5SdTKOyAV0DaLEzDW5LNEg07n%2BrPyOGMCSqrKzJ%2F1d%2BWUg1u45LKKEZOKUO%2BZRix2kKy2SrSQyo5TIlGpbYASs%2BASPkEL8dSSGR9aQMgIuupjP%2FAvA7nOqMEFa9UiJEnM9e1yGlerpZKRy0d%2BNFZ8aUisE19&webInteractiveContentId=171302349634&portalId=316709&hsLang=en-us) If you have any questions regarding this special offer, contact Yara directly, [schedule an appointment](https://appointments.usccreditunion.org/service), 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 USCcreditunion.org 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 [![USCCU\_2\_logos\_screen\_no-tagline-02-2](https://info.usccreditunion.org/hs-fs/hubfs/USCCU_2_logos_screen_no-tagline-02-2.png?width=250&height=85&name=USCCU_2_logos_screen_no-tagline-02-2.png "USCCU_2_logos_screen_no-tagline-02-2")](http://www.usccreditunion.org) (213) 821-7100 [usccu@usccreditunion.org](mailto:usccu@usccreditunion.org) Federally Insured by NCUA. Equal Housing Opportunity. [Follow us on Facebook](https://www.facebook.com/usccu) [Follow us on LinkedIn](https://www.linkedin.com/company/usc-credit-union/) Follow us on Twitter Follow us on Instagram #### Resources - [Frequently Asked Questions](https://www.usccreditunion.org/resources/faqs/) - [Contact Us](https://www.usccreditunion.org/contact-us/) - [Make an Appointment](https://usccu.coconutcalendar.com/service) ### Subscribe to our monthly newsletter! Copyright © USC Credit Union 2026. 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