Home is an important place: it’s where you can relax, make your own rules, raise your family, and make memories. From getting that first condo to finding your forever home, upsizing, downsizing or even joining the tiny house trend, California Bear Credit Union offers mortgage options to fit your needs and your budget.

If you already have a home-sweet-home but a not-so-sweet monthly payment, talk to us about refinancing your current mortgage. We may be able to help you lower your payment.

Getting a home loan doesn’t have to be a confusing or stressful experience. We’ll make it easy for you!

A home is a big investment, and we want you to feel confident in it!  Cal Bear offers purchase and refinance options with:

  • Fast approval
  • Flexible payments
  • Financing for primary, investment, and second homes

You can choose from a variety of home loan options through our mortgage partner, Wescom Central Credit Union NMLS# 999430. Here are some of the options available to you.

Loan TypeBest For
FHA LoansPeople with less than perfect credit or people who don’t have much money for a down payment. FHA loans are easier to qualify for and only require a minimum down payment of 3.5% of the purchase price.
VA Loans Veterans and service members. This type of loan only requires a low down payment (or no down payment at all - see disclosure below).
Fixed Rate MortgagesPeople who want a predictable repayment schedule throughout their entire loan. From start to finish, you’ll know exactly how much your loan payments will be (they’ll never change).
Adjustable Rate Mortgages (ARMs)People who want lower payments up front but anticipate being able to pay more in the future or plan to refinance later.

Learn more, check rates, get pre-qualified, get helpful tips on the home loan process or apply for a mortgage today!Open The Door


Buying a home is exciting, but it’s not something most people do every day. To help you understand the process, here are some tips and resources.


Tip #1: Work on your credit. One of the best ways to prepare for buying a home is to get your credit into better shape. That means reducing your debt, making payments on time, and reviewing your credit report.

Tip #2: Save for a down payment. The more money you can put down up front, the less you’ll have to borrow (which means the less interest you’ll pay in the long run).

Tip #3: Look at more than rates. When you’re choosing a mortgage, consider all the factors: interest rate, points, closing costs, expected fees, repayment terms and what your monthly payment will be.

Tip #4: Ask questions. Don’t be afraid to ask questions throughout the mortgage process. After all, this is your loan! You deserve to know what’s going on.


Your Home Loan Toolkit offers a step by step guide to understanding mortgage options, closing costs, and how to be a successful homeowner.

The consumer handbook on adjustable rate mortgages can help you decide if an adjustable rate mortgage is right for you.


Use our free financial calculators to help you decide between renting and buying, figure out how much home you can afford, estimate your mortgage payments, and more.

Nationwide Mortgage Licensing System & Registry (NMLS)
California Bear Credit Union NMLS# is 410786
Douglas Campos NMLS#416356; Judy McFadden  NMLS#1256425; William Hernandez NMLS#416358; Blanca Ibarra NMLS#1619065; Anisha Marshall NMLS#1615756; Ashley Strauss NMLS#1493249; Lisett Moreno NMLS#1124318.


If you have questions or need help, please visit a branch or call us at (800) 954-BEAR (2327).

Certificate of Eligibility issued from the VA verifies your eligibility to receive VA benefits; we can submit a request
for this document on your behalf. Maximum loan amounts are set by the Department of Veterans Affairs and
may vary by county. Loan approval subject to income and credit evaluation. *VA to VA Refinances are not
available for Interest Rate Reduction Refinancing Loans. Department of Veterans Affairs requires an upfront
VA funding fee, which can be paid for in cash or financed. VA Home Loans are processed by Wescom Central
Credit Union under contract with California Bear Credit Union (NMLS #410786). Terms subject to change
without notice. Wescom Central Credit Union is state chartered under the California Department of Business
Oversight. NMLS ID 999430