Where LA Goes For Loans

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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!

  • Mortgage Options

    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 Type Best For
    FHA Loans People 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 Mortgages People 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!
  • Resources

    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.
  • Calculate Your Mortgage Calculator

    BI-Weekly Interest and Savings

    This calculator will show you how much you can save if you make half of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you are making one extra mortgage payment per year!


    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • Mortgage Refinance Calculator


    This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

    Your Current Mortgage Information


    Refinancing Information

    If you are unsure, multiply your current balance owed by 0.3.

    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Nationwide Mortgage Licensing System & Registry (NMLS)

California Bear Credit Union: NMLS # 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