When it comes to home loans, South Bay Credit Union offers the personalized assistance you deserve and the customized products to fit your needs. We are committed to providing members with competitive rates and terms. We also understand how the right home loan can benefit you and your family. Just have a chat with one of our professional loan officers. You’ll be glad you did.


SBCU has several loan programs to serve your needs. You can apply online or meet face-to-face with our loan officer, Rosemarie 424.327.9804. Rosemarie can guide you through our many options including: 

  • 30-Year Fixed Rate
  • 30-Year Adjustable Rate Mortgage – 5/1, 7/1 and 10/1 
  • 20, 15 and 10-Year Fixed Rate options 
  • Condo loans
  • Investment homes (up to 4 units)
  • Flexible terms
  • No pre-payment penalties
  • First time home buyers with down payments as low as 3%
  • Free purchase ready pre-approval to show sellers you are a serious buyer

*Mortgage Promotion Disclosure– Rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Rates can change daily. Displayed rates reflect a 45-day lock period on a 30-year fixed rate product. Refinances are currently locked for 45 days. Internal refinances do not qualify for credit. All documentation must be received to begin the rate lock. This promotion ends December 31, 2021. Maximum Loan Amount $1,500,000. Maximum Loan To Value 80%. Conforming loans maximum LTV is 95%. All applications are subject to credit approval. Loan is secured with a lien on your property. Mortgage loans may not be available in all States. NMLS # 449361.


Thinking of refinancing your home?  Many homeowners like you have discovered the benefits of refinancing with South Bay Credit Union. Our goal is to help you find the right refinance solution that best fits your lifestyle and budget. 

Home Equity Line Of Credit (HELOC)

If you’re looking for great rates, along with quick and easy access to your money, then a home equity line of credit (HELOC) is for you. From purchasing a car to paying off high-interest debt, you can use a HELOC for just about any need. You borrow what you need when you need it. As you repay your principal, that money becomes available to borrow over and over again. That means you don’t have to re-apply every time you need funds. And the interest on a home equity line of credit may be tax-deductible. (Check with your tax advisor for details).  
  • Low rate! 
  • NO Annual Maintenance Fee! 
  • Borrow up to $500,000! (or 80% of appraised value, less 1st Trust Deed, owner-occupied) 
  • Terms up to 25 years
  • 10-year interest-only payments (draw period)
  • Convenient access through SBCU checks tied to your HELOC, Automated Telephone Banking, online banking, or any branch location.

Financial Tools

Access our convenient calculators to see how much your payment would be, how fast you can pay off your existing loan, and many other scenarios. 

Tax Advantages

Home loans offer important tax advantages … regardless of how the funds are used. For information about specific tax benefits please consult your tax advisor or financial counselor. 

Contact Information – Mortgage Department

Rosemarie Valdez – NMLS #614019
Direct: 424.327.9804
Fax: 424.275.4386
Email: mortgage@southbaycu.com

Ivette Plascencia – NMLS #1908498
Direct: 424.327.9797 
Fax: 424.275.4386
Email: mortgage@southbaycu.com

Please send pay off requests to mortgage@southbaycu.com or fax your request to 424.275.4386