Home Loans

Come on home

Unlock the door to your future home.
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Loan amounts up to $1 million
Loan amounts up to $1 million
Image with two mans who shaking hands
Image with couple who talking on kitchen
Loan amounts up to $1 million

Highlights

Loan amounts up to $1 million

Customized Loan packages that fit your budget

Flexible rates and terms

We maintain servicing from approval to final payment

Adjustable and Fixed-rate Loans

Easy online application

Loan amounts up to $1 million

Customized Loan packages that fit your budget

Flexible rates and terms

We maintain servicing from approval to final payment

Adjustable and Fixed-rate Loans

Easy online application

For current rates, contact our
Real Estate Department

Real estate rates can change daily and are subject to creditworthiness.
Our Real Estate Department is happy to assist you.

We also offer these Home Loan options:

We also offer these home loan options:

First Time Homebuyer

Whether you're still researching or ready to take the plunge, Yolo Federal is here to guide you through your homebuying journey.
Learn More

Mobile Home Loans

We offer Mobile Home financing to fit your lifestyle—whether you're starting fresh or simplifying, our team will help guide you to homeownership.
Learn More

Energy Saver Loans

Our Energy Saver Loan is your ticket to affordable, energy-efficient home improvements like solar panels.
Learn More

Home Equity

Leverage your home's equity with a Home Equity Loan or HELOC. Whether you need a lump sum for a big project or flexible access to funds over time, at Yolo Federal we offer tailored solutions that put your home's value to work for you.
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Refinance

If your mortgage no longer fits your budget, maybe it’s time for an upgrade. With Yolo Federal, you get competitive rates and full support from approval to payoff—no hidden fees, just a path to financial success.
Apply Now

First Time Homebuyer

Whether you're still researching or ready to take the plunge, Yolo Federal is here to guide you through your homebuying journey.
Learn More

Mobile Home Loans

Whether you're still researching or ready to take the plunge, Yolo Federal is here to guide you through your homebuying journey.
Learn More

Special offers and programs

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Exclusive offer
Healthcare & First Responder offer
Special 0.25% rate discount offer* for healthcare workers and first responders, helping you own a home faster.
Discount available on other qualifying loans
Lower interest rates
Fast and easy approval process
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Affordable homes
WISH Program
Get help buying a home with our program designed for moderate-income families.
Buy a home in a neighborhood you love
Save up to $30,806
Reduced down payment and monthly housing bills

Have questions or ready to apply?

What our members say:
“Friendly and listened to our needs”
Karie Carranza
“This was the easiest and most convenient loan process we've ever experienced … Yolo FCU will be recommended to all our friends and family. You are the best!”
Christine Mendes
“We love banking at Yolo Federal. The products can't be beaten!”
Laurie Richardson
Yolo FCU Member

Knowledge that gives you the power

Family cooking together

Unlock your financial wellness with a Home Loan checkup

When was your last Home Loan checkup? Reviewing your Home Loan health is equally important.

What to consider when buying a multifamily property

In this blog we’ll cover 4 factors that should be considered before finalizing the deal.

3 tips for investing in multifamily properties

Unlike single dwelling units, multifamily could boost your income while reducing vacancy rates.

Unfilter your home renovation

There are many things to consider before tackling a large or small home renovation project.
Flat after renovation

Unlock your financial wellness with a home loan checkup

When was your last Home Loan checkup? Reviewing your Home Loan health is equally important.

3 tips for investing in multifamily properties

Unlike single dwelling units, multifamily could boost your income while reducing vacancy rates.

What to consider when buying a multifamily property

In this blog we’ll cover 4 factors that should be considered before finalizing the deal.

Unfilter your home renovation

There are many things to consider before tackling a large or small home renovation project.

Frequently asked questions

What are your current rates for Home Loans?

Real estate rates can change daily and are subject to creditworthiness. Contact our Real Estate Department to see what the current rates are.

What type of Home Loans does Yolo Federal offer?

  • Fixed-Rate
  • Adjustable-Rate
  • Jumbo Loans
  • Mobile Home Loans

Can anyone apply for a Home Loan?

To apply, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.

To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.

How do I know if I am eligible for WISH?

These are the current eligibility requirements for WISH:

  • The homebuyer has successfully completed a HUD approved homebuyer counseling program.
  • The homebuyer is participating in another Mortgage Assistance Program, if available.
  • The homebuyer must obtain his/her primary mortgage financing from Yolo Federal Credit Union.
  • The household income does not exceed 80% of the HUD Area Median Income (see AMI guidelines below).

What is the HUD Area Median Income?

The income is updated each year. WISH Program Information 2024 includes the current rates.

Are there any repayment requirements for WISH?

Potentially. You may be required to return all (or a portion) the WISH grant funds if the home ceases to be your primary residence within 5 years of purchasing the property.

Who qualifies for the Healthcare First Responder offer?

Individuals employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system.

To receive the discount, first responders or healthcare professionals must provide proof of employment such as Paystub, ID badge, etc.

Are there any exclusions for the Healthcare First Responder offer?

Offer cannot be combined with any other offer

  • Excludes refinances of *existing* Yolo Federal Loans
  • All variable rate loans and lines of credit, including credit cards and HELOCs
  • All Business Loans
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Get your home loan

Apply Now

Have questions? We are here to help.

Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer,
or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
Disclosure

*Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount. Subject to change at any time.

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