Home Loans

Getting a loan to purchase or refinance a home is easy and convenient with our one-stop online mortgage service.


It's a Summer Spectacular

cash back on your mortgage

Reel Savings

These days you can watch the latest blockbuster movies from the comfort of your own home. And it's even better knowing you got a blockbuster deal on that home.

So how's this sound?


That's right, we're giving you a rebate on closing costs because the home buying process doesn't have to be a thriller, or worse yet, a horror story. Our mortgage pros take the hassle out of the mortgage process to make sure things are tied up as neatly as a romcom denouement.

If you only see one Mortgage expert this summer, make it one of ours! We've rolled out the red carpet to help members save hundreds of thousands of dollars on mortgage payments, and we're ready to help you, too.

To know more, just call (818) 846-1710, or apply using our Online Mortgage Center.

* Gain Federal Credit Union will pay your closing costs up to $2,000 on First Mortgage loans for a purchase or refinance. Offer not valid for refinance of current Gain FCU loans. Excludes FHA, VA, Reverse Mortgages, and Home Equity loans. The offer is a maximum rebate towards closing costs for lenders title fee, settlement fee, underwriting, document preparation, appraisal, flood certificate, and credit report. This offer is valid for applications received beginning July 26, 2021. Offer may be discontinued at any time without notice. Rebate is also known as a lender credit. Contact credit union for complete details. Borrower qualifications and maximum loan amount may vary by property type, loan to-value, and credit score. Not all borrowers will qualify. Terms and conditions are subject to change without notice. Mortgages are processed by Gain Federal Credit Union NMLS #407810.

Simple and Secure Application Process

We took the complicated process of applying for a home loan and created a simple and secure online application system. The process takes about 20 minutes to complete and once you submit your completed application, you'll get a decision by the next business day.

Mortgage Center

Still exploring the ins and outs of home buying? Our mortgage center is packed with useful tools to guide you along the way of your home buying journal. It's the place to check out the latest rates, peruse a helpful host of FAQs, connect to a Loan Advisor, or dive into our suite of calculators to plan your home buying budget. And when you're ready to apply, it can take care of that too!

30 year

APR as low as


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5/5 ARM

APR as low as


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15 Year

APR as low as


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Hassle free and flexible

  • Fixed and variable rate loans
  • Flexible terms available. 10, 15, 20 and 30-year terms
  • Purchase up to 97% loan-to-value
  • Refinance no cash-out up to 95% loan-to-value
  • Refinance with cash-out up to 80% loan-to-value
  • Single Family Residences, condominiums, and PUDs only
  • Vacation homes and investment properties
  • We finance homes in CA, AZ, NV, CO, OR, ID, UT and WA

In Person

Come into the branch at 1800 West Magnolia Boulevard and speak with a mortgage professional today.


Need to send documents?

You can fax them to our Real Estate department at (818) 524-1682. For loan demand and payoff, fax (818) 524-1681.

Questions? Need more information?

Fill out this quick form and we'll get back to you.

Contact Us

Avoiding Foreclosure

Home Benefits PlusHome Benefits Plus 

At Gain, we are always focused on ways to assist you in your home buying process.

We have partnered with Home Benefits Plus, a no-cost program that is provided to help you save time, receive thousands of dollars in cash rebates, and you will have professional assistance to help you buy or sell a home––all at no charge to you!

Whether you are buying your first home, refinancing your current home, or are looking for that perfect vacation home, speak to our mortgage professionals who are here to help. Give us a call at (818) 524-1680.  

Home Benefits Plus

Making your mortgage payments is easy!

We offer a number of ways to pay your mortgage:

  • Transfer your payment in Online Banking.
  • Set up automatic transfers. 
  • Send us a check in the mail.

You choose the method you prefer!

Frequently Asked Questions

  • What is the difference between an appraisal and an inspection, and what is required?

    An appraisal is an estimate of the market value of the home that you are buying and is accomplished by comparing your home to several homes like it that have sold in the last 6 months or so. An appraisal of the home you are buying will be required by your lender.

    A home inspection is a more detailed analysis of the home that you are buying and may include items such as appliances, electrical systems, heating and air conditioning, structural integrity, etc. An inspection is generally not required unless the appraiser notes obvious problems with these areas, but is always a good idea if you are buying a previously owned home.

  • What are points?

    Points are finance charges paid by the borrower at the beginning of a loan in addition to monthly interest. Each point equals one percent of the loan amount.  By paying these "points," your interest rate is lowered for the life of the loan.

  • How much will my monthly payments be?

    Your monthly payments are broken down into principal/interest, PMI (Private Mortgage Insurance), taxes, and insurance. The principle and interest portion of your payment is based on your loan amount, your interest rate, and the term (length) of your loan. PMI is a monthly fee that is required if you put less than 20% down.  Taxes and Insurance refer to the monthly (annual divided by 12) cost of your property taxes and homeowners insurance.Be sure that you understand and are comfortable with your total monthly payment (what you will write a check for each month) before deciding to purchase a home.

  • If the sellers are not paying my closing costs, then how are they paid?

    If the sellers are not paying for your closing costs, then you are responsible for paying these at closing. You will be given credit for anything that you have already paid ($350 is typically paid in advance for credit report and appraisal, and your first year of homeowners insurance is purchased in advance) prior to closing but will need to provide the remainder, along with any down payment you may have, in the form of a certified check made out to the title company.

  • Can the sellers pay for my closing costs?

    Yes, it may be possible for the sellers to pay for most or all of your closing costs, provided that you have satisfied the minimum down payment requirement of 3%.

  • What are closing costs and how much are they?

    Various fees and expenses payable by the seller and buyer at the time of a real estate closing. Costs may include: commissions, title insurance premiums, recording fees, inspection and appraisal fees, etc.

  • How much do I need as a down payment to qualify?

    Down payment amounts can vary anywhere from 3%-10%. On average lenders require 5% down.

  • What is a pre-approval and why do I need one?

    A mortgage pre-approval is an important part of the home buying process. Potential home buyers should contact a lender they trust to handle this important step. The lender will need a 2 year history of residence and employment, checking/savings/retirement information, and detailed information on your income just to name a few. Most sellers will want a potential buyer to be pre-approved.