Skip Menu

Home Loans —

Dream home. Dream condo.

Home Loan Icon

Mortgage Rates are as low as 7.00% APR*

Now could be the perfect time to buy.

Notes and Fees

5 Year Adjustable Rate Mortgage (ARM)
*Offer subject to change without notice. APR = Annual Percentage Rate. Rate is accurate as of 08/24/2023 and may change at any time. Rate is variable and subject to change after consummation. Sample loan: $320,000 loan amount at 80% loan to value, an estimated $6,943 in loan fees and charges. APR = 4.828%. After the conclusion of the initial 5-year period, the minimum rate is 3.00% and the maximum rate is 5% over the start rate. The rate is based on U.S. Treasury Five Year Index plus a margin of 2.75% based on credit score, and can change every 5 years. Payment example does not reflect taxes, insurance, or other charges you may incur.

30 year fixed-rate mortgages
All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 7.908% APR, your monthly payment on a single-family home would be $2,121. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.

Great rates on 0% down home loans and 30 year fixed-rate mortgages*

Now could be the perfect time to buy.

Dream home. Dream condo. Dream financing.

If you plan to call it home, Gesa is here to help. We know it’s a big step, and that the right knowledge will give you the confidence to take it. That’s why our advisors stay by your side as we navigate every part of the home loan process, from securing your first down payment to finding the most competitive mortgage rate and refinancing your loan as your needs evolve.

How to know if you’re ready

Before you start searching for your new home or comparing mortgage rates, start evaluating your current situation and how it could change in the near future. Get started by asking yourself some basic questions:
  • Do you have a stable income?
  • Do you plan on starting a family, or experience any other major life changes that impact your financial stability?
Our financial experts can help you determine if you’re ready and what you can afford.
Happy Family
Happy Family Housing

How to evaluate your financial situation before buying a house

Start by reviewing your bank accounts and billing statements to accurately gauge how much money you’re making and spending each month. If you’re going to buy a house with someone else (like a spouse), review your finances together and then ask yourselves some questions:

  • Do you have a stable job or other income?
  • After a mortgage payment, will you still be able to save money each month?
  • Will you still be able to manage other debts like student loans and car payments?
  • Do you keep your credit debt low to help qualify for a better mortgage?
  • Do you have enough money saved for a down payment and closing costs?

Buying vs. Renting

Benefits of Buying

Benefits of Renting

Considering a new build?

Construction loans require special loan documentation and can get a bit tricky. Our loan officers are ready to help you navigate the world of short-term, single-close, and construction-permanent loans.

Home Loans - New Build
Financial Freedom

Determining your down payment

The amount of your monthly mortgage payment and how it fits in your budget is key to determining how much house you can afford.

Your down payment is cash you’ll pay for the home at closing. Down payment requirements can be as little as zero down, depending upon several key factors. The more money you put down, the lower your monthly payment and interest rate will be.

Down payment help is available. Special restrictions apply. If you need help determining your down payment, check out the resource links below.

Notes & Fees

All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 6.375% APR, your monthly payment on a single-family home would be $1,847. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.

Home Loan Services

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity Partner Cards

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business owner

Business Visa:
A low-rate card made for business owners.

Learn More

Banking made for you.

With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

Notes & Fees Glossary

*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

* * * * *