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Home Loans & First Mortgages

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Welcome to a better loan experience…

Does your current mortgage make you uneasy?

If you are uncertain about your existing mortgage, let Kern FCU find the loan that will let you breathe easier.  Whether you are buying your first home, want to refinance an existing loan or choose to borrow against the equity you have built in your home – you can count on Kern FCU to find the loan that is perfect for you.  Give us a call, stop in or begin the application process online now. 

Home Sweet Home!

In today’s “buyer’s market” all you have to do is find the home and Kern FCU will take care of the rest.  With mortgages for every stage of life, you can trust Kern’s experts to make the process easy and find the loan that fits your budget.   

First Mortgage – Achieve your goal of homeownership with a Kern FCU mortgage loan.  We can help you purchase your first home, upsize to a larger home or refinance your current loan.  Some of our programs even provide 95 percent financing.  We loan on owner-occupied property, non owner-occupied (up to four units) property and second homes.  Your property must be located in California to qualify for our mortgage loan programs.

It just doesn’t make sense to finance your home with anyone else but Kern FCU.  Flexible terms, low interest rates and our trademark customer service guarantee an exceptional outcome.  Find the key to your new home by obtaining a loan through Kern FCU. 

Choose from: 

Features include:

  • Low interest rates
  • Low Down Payment
  • Purchase or Refinance
  • Choice of repayment terms
 

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We have a loan for everyone in Kern County!

Are You Facing Foreclosure?

Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

Click here to learn what Kern FCU can do to help! 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

Attn. Kern County Residents!

You can be a member of Kern FCU if you live, work, worship or go to school in Kern County.

The people that work at Kern FCU will show you personal quality service anytime… anywhere.

You can count on us when buying a car, home, or seeking big returns on your savings. It's where you belong… at Kern FCU.

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