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Home Loans

Come on home

Your trusted lending partner


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What Is It?

How can we help you?

Yolo Federal offers you plenty of options, including both Adjustable and Fixed-rate loans, to get you the Home Loan that’s right for you. Whether you’re searching for a new home or looking to refinance, our experienced team will be with you every step of the way.

  • I'm ready to purchase a home.

    Our experienced team is ready to help you finance your dream home. Apply today, complete the form below, or schedule an appointment online to speak with a Real Estate Center Representative.

    Real Estate Form

    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.

    • 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.
    • Property cannot exceed 50 miles outside of Yolo County, CA.
    • 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.
    • This field is for validation purposes and should be left unchanged.

    Click here to read the California Consumer Privacy Act.

  • I'm a First-Time Homebuyer.

    Whether you’re just researching or ready to get pre-approved, you can trust that Yolo Federal will help guide you every step of the way. Click here to learn more about the home buying process or schedule an appointment online to speak directly with a Real Estate Center Representative. Ready to get started? Apply today!

  • I want to refinance.

    We could help you lower your monthly payments and quickly pay off your home loan. Click here to learn more about the benefits of refinancing. Apply now or schedule an appointment today to speak with a Real Estate Center Representative.

  • I want to use my home's equity.

    Fixed 2nd Mortgage

    With a fixed rate and an end date, you’ll never have to worry about your payment changing. So, when you’re done, you’re done! Visit our webpage to learn more, or schedule an appointment today. Ready to apply? Click here to go to our online application.

    Home Equity Line of Credit (HELOC)

    A HELOC gives you the flexibility to use what you need rather than in a lump sum. Schedule an appointment with a representative today! Or, to learn more about our HELOCs, click here.

We want to ensure you have the smoothest Home Loan experience possible. To help, we’ve put together a list of suggestions of what to do (and what to avoid) during your Home Loan process.

  • What to do:

    Do get pre-approved for a loan before you shop for a new home.

    Do get together all documents requested by your loan officer or processor to speed up the loan process.

    Do obtain homeowner’s insurance quotes early in the loan process.

    Do keep all your existing Credit Card accounts open.

    Do stay up-to-date on your existing loan accounts, including student loans.

  • What to avoid:

    Changing jobs, becoming self-employed, or quitting your job.

    Applying for any new lines of credit.

    Maxing out any of your existing Credit Cards.

    Making any large purchases.

    Co-signing a loan for anyone.

    Changing bank accounts.

    Making any large deposits to your accounts.

    Starting any minor or major renovations until after your loan is complete.

    Being afraid to ask questions.

Why Yolo Federal

Loans that will make you feel right at home

  • Customized loan packages that fit your budget
  • Competitive rates
  • Loan amounts up to $1 million
  • Easy online application

Education

Unfilter Your Home Renovation

More Home Loans Related Posts

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During our Technology Enhancement Weekend, our Online Banking and Online Membership and Loan Applications will be temporarily unavailable. Please visit our Technology Enhancement Weekend webpage for important information.

You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website.

To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, 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. 

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You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.