Mortgage & Equity

Whether you're looking for your first home, upgrading or downsizing, Noble Credit Union offers an array of first mortgage loans to fit your needs and most of all, your budget.  Choose from conventional 10, 15, or 30 year fixed loans, Adjustable Rate loan, FHA or VA loans.  To find out more visit the Mortgage Center.


Now you can borrow up to 100% of your home's equity with a Traditional Home Equity Loan and a Secured Home Improvement Loan!

Traditional Home Equity Loan

The Traditional Home Equity Loan, let's you decide what to do with the equity in your home.  Use it for home improvement, vacations, tuition, debt consolidation, you name it!  You'll receive the funds up front and enjoy a low, fixed rate with budget friendly fixed monthly payments.  Interest may be tax deductible**

Secured Home Improvement Loan

Making home improvements increases your home's value, and using a licensed contractor to do the work ensures it will be high quality. With this loan, the checks will be made out to your contractor; however, you control distribution of the checks to ensure the work promised is delivered to your satisfaction.  This is a new loan that allows you to borrow up to the full amount of equity in your home. You can also use the funds for new appliances!  Interest may be tax deductible.**

Home Equity Line of Credit

Don't know exactly how much you need?  The variable-rate HELOC gives you the flexibility of using only the amount of funds you need, as you need them, via checks or transfers.  Use the funds to spruce up your home, take a vacation, anything!  Best of all, you'll have the security of knowing you have an emergency fund, just in case.  Interest may be tax deductible.**

Unsecured Home Improvement Loan

No equity in your home?  No problem!  You can still make those home improvements you've been dreaming of with our Unsecured Home Improvement Loan option. Like the Secured Home Improvement Loan, we will make the checks out to your licensed contractor for your home projects; however, you will have full control of distribution of the checks to ensure you are satisfied with the work.

Open the door to endless possibilities with Noble Credit Union!

**Consult your tax advisor about deductibility.
**No fee offer is available for loan applications received by 12/31/18. Home Equity Line of Credit loan is excluded. Up to 100% financing is available on Traditional Equity and Secured Home Improvement loans only. 100% financing is only available on owner-occupied, CA properties. Amount available for financing is dependent on many factors, including but not limited to borrower’s credit history. All loans are subject to approval. Membership eligibility applies. Membership requires the opening of a savings account with at least a $5 deposit. The following fees are NOT included:  upgraded appraisal valuations as requested by the member, any associated fees to correct and/or clear title including but not limited to escrow, sub-escrow and recording fees. Other restrictions may apply. Program rates, terms and conditions are subject to change without notice.