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Fixed-Rate Mortgage

Surprises are nice but our no-surprise, fixed-rate mortgages are too. With a TruWest fixed-rate mortgage, you can take comfort in knowing your interest rate will always stay the same. When you’re ready to purchase a brand new home or refinance an existing home, our friendly and knowledgeable mortgage loan originators are available to answer your questions and guide you every step of the way.

  • No origination fees
  • Customized rate quote
  • Competitive, low rates
  • Little to no fees
  • 15-year, 30-year terms available


An adjustable rate mortgages (ARM) isn't what it used to be. Now, these types of mortgage loans are more secure and safer than ever. Our ARMs offer financial flexibility with lower initial fixed-rate monthly payments in a time frame that works for you.

  • No prepayment penalties
  • Terms available: 5-, 7- and 10-years
  • Capped interest rates
  • Lower monthly payments


Purchase or refinance your home with a Federal Housing Administration (FHA) or Department of Veterans Affairs (VA) mortgage. FHA and VA loans are government programs that provide potential homebuyers and veterans with mortgages that offer lower down payment and closing costs.

  • Lower down payments
  • Lower closing costs
  • No origination fees
  • Lower interest rates

Conventional Loans

Saving a down payment for a new home can be challenging. Our conventional 3% down mortgage program offers an alternative financing option that features a lower down payment. With as little as 3% down and a lower mortgage insurance, your dream of owning a home is just around the corner.

  • Fixed-interest rate
  • Gift funds can be used toward down payment
  • Great for first-time home buyers
  • Flexible financing option for less than perfect credit score


Refinancing at a lower rate is always a good thing. You could lower your monthly payment and save thousands of dollars in interest over the life of the mortgage. When you're ready to refinance, let TruWest help.

  • Lower your monthly payment
  • Adjust mortgage terms
  • Great rates
  • Consolidate first and second mortgages into one loan
  • Tap into your home's equity

WISH Program

Owning your first home is now within reach with the Workforce Initiative Subsidy for Homeownership (WISH) program. The WISH program provides qualified first-time homebuyers 4-to-11 matching funds, up to $22,000 to use toward down payment and closing costs.

WISH program requirements:

  • Must be a first-time homebuyer2
  • Must meet annual income eligibility guidelines3
  • Must meet required credit qualifications for a TruWest® Credit Union loan4
  • Complete a homeownership counseling course
  • Open escrow on home purchase prior to March 31, 2020
2. Restrictions apply. Contact TruWest Credit Union for first-time homebuyer qualifications. Must be 18 years of age or older and earning a wage. 3. Annual income limit is combined household annual income. Annual income is determined at the time of enrollment in the WISH Program, and based on income eligibility guidelines published by the Bank of San Francisco and is at or below 80% of the HUD area median income.