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Home Loans

First Mortgages

A home is likely the largest purchase you'll ever make, so you'll want to make sure you work with a lender you can trust. Valley Oak has partnered with TruHome Solutions in order to best serve you, whether you are purchasing your first home, your dream home, or simply interested in refinancing your current home loan. Through this partnership we offer our members home loan solutions that provide convenience, savings, and flexibility:

  • No point real estate loan programs
  • No prepayment penalties
  • Web-based application technology providing immediate response
  • Loans for purchase and refinance
  • Online resources for added convenience

Our mortgage options include:

  • Conventional loans
  • FHA loans
  • First-time homebuyer programs
  • A wide variety of low fixed rate and variable rate loans

Find out how Valley Oak can help make your dream of home ownership come true!

View Mortgage Rates and Apply

About TruHome Solutions

TruHome Solutions, LLC, is a full-service mortgage Credit Union Servicing Organization (CUSO) that provides lending services to credit unions across the nation. TruHome has partnered with credit unions large and small to be able to offer mortgage lending options to their members in a very customizable, service first approach. Valley Oak members are their members too.

We're Rooting for Whatever You Envision

No matter your dreams — a home remodeling project, destination wedding, higher education — whatever you have your sights on, we can help bring those visions to reality with a Home Equity Line of Credit (HELOC).

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a variable rate revolving credit line that allows you to borrow against your home's equity for only as much as you need, so you only pay interest on the amount you borrow. The credit line is available for five years, during which you can borrow and pay back the principal as you desire. At the end of five years, the principal outstanding converts to an installment loan for repayment over 10 years.

We lend up to 80% of the appraised value of your home, less your first mortgage balance.

HELOC’s are available on investment/rental properties, however investment/rental properties do not qualify for the promotional rate and details.

To apply for a Home Equity Line of Credit, call us at 800.561.4302 or visit any of our branches.

View HELOC Rates  View Truth-in-Lending Disclosure

Here at Valley Oak we have employees who are trained mortgage loan originators and are registered into the Nationwide Mortgage Licensing System & Registry (NMLS).

Loan Officer NMLS#
Kellee Smith 1746729
Kiersten Vaughan 1137801
Cristina N. Arellano 2439407
Valley Oak CU 407668

TruStage™ Auto & Homeowners Program

You trust Valley Oak Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage™ Auto & Homeowners Insurance Program.

  • The TruStage™ Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members
  • Access convenient e-service, pay your bill or make changes to your policy, even report a claim
  • Receive fast, easy access to claims service 24 hours a day
  • Obtain a free, no-obligation quote

Start Saving on Auto & Homeowners Insurance

The TruStage™ Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

*Rates and promotion details may change or end at any time per the Credit Union's discretion. Promotional Interest rate only applies to owner-occupied primary residences and ends 1 year after loan disbursal. Rate adjusts to standard adjustable rate of Prime +0 after the first year. HELOC’s are available on investment/rental properties, however investment/rental properties do not qualify for the promotional rate and details. Contact the Credit Union for full details.

The Energy-Efficiency Loan Program by Valley Oak Credit Union
(CHEEF Participating Lender)

The Energy-Efficiency Loan Program is offered through Valley Oak Credit Union, a CHEEF Participating Lender. The Energy-Efficiency Loan Program offers an unsecured no-fee loan to pay for eligible energy-efficiency and demand response projects for qualified single-family residential customers in Tulare and Madera Counties. Up to 30% of the loan can be used to pay for other, non-energy-efficiency home improvements, such as water-saving projects and remodeling!

More Details about The
Energy-Efficiency Loan Program

The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.