Home Loans

Featured Rates

Conventional (30 yr) *
Conventional (20 yr) *
Conventional (15 yr) *

Match or Beat Your Rate Home Loan

Anytime is a great time to buy or refinance a home with our Match or Beat Your Rate Home Loan.

Your key to an affordable home starts here! Apply today by calling us at (833) 4-AltaOne (833-425-8266); Online; or visit your nearby AltaOne Branch.

Terms & Conditions
Proof of the competing lender's offer, in the form of a Loan Estimate in the member's name, must be provided. If refinancing, you must provide a copy of the loan note or mortgage statement showing the rate and term. Loan must be for a mortgage of the same type, term, and amount, and have the same property address. Not applicable for VA or FHA loans. Subject to credit and underwriting approval by AltaOne Federal Credit Union. Our rate floor for the Program is set at 5.50% APR. We reserve the right to refuse participation in the Program if the competing rate falls below this floor.

Apply For a Home Loan, 24/7, by Calling (833) 4-ALTAONE

Call (833) 4-AltaOne (833-425-8266) anytime, day or night, to apply for any AltaOne Home Loan with a real, live person.

Thinking about getting a home loan? Here’s why AltaOne should be your top choice!

Home Loan Graphic that says: Conventional, FHA, VA, ITIN and Refinance. Don't let the ups and downs of home loan rates hold you back. altaone.org/home-loans.

First of all, we're your friendly neighborhood credit union, and we've got your back. When you come to us for a home loan, you're not just another number; you're a valued member.

Here’s a few more reasons why AltaOne is the right choice for your home loan:

  • Personalized Service: We pride ourselves on providing personalized service that caters to your unique needs. Our team of friendly experts will sit down with you, listen to your goals and financial situation, and help you find the perfect loan that fits your budget.

  • Competitive Rates: We offer some of the most competitive interest rates in the industry. That means more money in your pocket and less going towards interest payments.

  • Options: We've got a wide range of loan options to suit your needs! Whether you're looking for a conventional mortgage, an FHA loan, a VA loan, an ITIN loan, or thinking about refinancing, we've got you covered.

  • Local Knowledge: We know the local housing market like the back of our hand. Our team understands the unique challenges and opportunities of buying a home, and we're here to guide you every step of the way.

  • Low Fees: We're not here to nickel and dime you with hidden fees. We believe in transparency and keeping costs down for our members.

  • Member Benefits: When you choose AltaOne for your home loan, you become part of our credit union family. That means you'll have access to a range of other financial services, like savings accounts, checking accounts, and more. Plus, you'll get all the perks of membership.

  • Community Focus: We're not just here to do business; we're here to make our community a better place. We're involved in local initiatives, charities, and events, and we love supporting our neighbors.

To sum it up, if you're looking for a home loan experience that's all about friendliness, flexibility, and putting your needs first, then AltaOne is the way to go. Don't hesitate to reach out to us and discover why so many people trust us with their most significant financial decisions. Your dream home might be closer than you think!

Purchase a Home

  • Variety of term options up to 30 years, with competitive fixed rates.

  • Zero or low-down payment options with no Private Mortgage Insurance (PMI).

Refinance a Home

  • Lower your monthly payments.

  • Reduce the term to pay the loan off sooner.

  • For debt consolidation, to pay for college, or maybe even a dream vacation!

VA Home Loans

As a VA lender, AltaOne understands the unique needs of service members and their families and can help you take advantage of every benefit you’ve earned. We’re here to help you through the home-buying experience by providing low VA home loan rates, resources, and membership benefits.

VA loans are backed by the Department of Veterans Affairs and offer exclusive mortgage benefits to eligible servicemembers, veterans, and their spouses. A certificate of eligibility is required and can be obtained from the VA by your home loan advisor. Maximum loan amounts are determined by the property location.

FHA Home Loans

An FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA), allows a lower down payment, and has greater flexibility in credit requirements than many conventional home loans, making homeownership a possibility for more Members.

  • Down payment as low as 3.5%.

  • 15-and 30-year fixed terms so you have a predictable payment for the life of the loan.

  • Mortgage insurance can be financed as part of the loan, so you need less cash up front.

  • You can use gifted funds from a family member, employer, labor union, charitable organization, close friend, or certain government homeowner assistance programs for your down payment.

  • Allows for a co-borrower, even if they won’t live in the home.

ITIN Home Loans

Homeownership dreams can come true! Our ITIN Lending program, in partnership with Pivot Lending Group, allows borrowers with Individual Taxpayer Identification Numbers (ITIN) to apply for mortgages in the United States with as low as 10% down.

*Program Requirements:

  • 2 years of Tax Returns & W2s

  • Copy of most recent pay stub (last 30 days)

  • 2 months most recent bank statements

  • ITIN Card or ITIN Letter (pg. 1 or 2)

  • Valid photo identification

  • 12-month verified rental history.

Reach out to a member of our Home Loan Team directly by completing the contact form below:

We are a phone call or email away! Call our Home Loan professionals directly at (800) 433-9727 ext. 7045 or submit the form below to send a message. Please be advised, this is an unsecure message. Do not send account numbers, social security numbers, or any other private personal identifying information in this message. We strive to reply within 24 business hours, weekends and holidays excluded.

AltaOne is an Affiliate Member of the Bakersfield Association of Realtors, Ridgecrest Area Association of Realtors and the Tehachapi Area Association of Realtors.

  • Voted a Favorite or Best Mortgage Company year over year in Bakersfield and Tehachapi

  • 2022 Ridgecrest Area Association of Realtors Affiliate of the Year

All loans and offers of credit are subject to approval based upon creditworthiness, qualifications, program guidelines, and applicable collateral conditions.
*10 % cash required from buyer(s). Pivot Lending Group NMLS# 109995. Pivot Financial Partners, Inc. dba Pivot Lending Group; dba Pivot Servicing Group, 10397 W. Centennial Road, Littleton, CO 80127. Pivot does business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. Pivot Lending Group and Pivot Servicing Group is regulated by: the Division of Real Estate (CO).
Please visit the Nationwide Mortgage Licensing System & Registry (NMLS) Consumer Access website to confirm AltaOne Federal Credit Union (ID# 586019) is licensed and registered to do business in your state. This is a free service for consumers. The website address is nmlsconsumeraccess.org.

***Match or Beat Your Rate Home Loan Program Terms & Conditions
Proof of the competing lender's offer, in the form of a Loan Estimate in the member's name, must be provided. If refinancing, you must provide a copy of the loan note or mortgage statement showing the rate and term. Loan must be for a mortgage of the same type, term, and amount, and have the same property address. Not applicable for VA or FHA loans. Subject to credit and underwriting approval by AltaOne Federal Credit Union. Our rate floor for the Program is set at 5.50% APR. We reserve the right to refuse participation in the Program if the competing rate falls below this floor.