Homebuyer Education

10 Steps in the Home Buying Process

Ten steps to get your financial house in order before buying a home in Southern California.

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Should You Rent or Buy a Home?

Is it better to buy a home in California or rent? Consider the financial and lifestyle factors when deciding.

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First-Time Homebuyer Programs and Tips

First-time homebuyers in California should consider these helpful state and government programs and tips before buying a home.

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How Much Home Can I Afford?

Learn about the many factors to consider before setting your home mortgage budget.

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Home Mortgage Application Checklist

Use our mortgage checklist to help you and your co-borrower prepare to file your mortgage application.

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Which Mortgage is Right for You?

Finding the perfect home loan in California begins with understanding your mortgage options.

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Closing Costs Explained

Here are some answers to some frequently asked questions about mortgage loan closing costs.

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How to Lower Your Monthly Mortgage Payment

Does it make sense to refinance? What are your other options? Learn how to lower your home loan payment.

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How to Use Home Equity to Finance Life Events

Learn about home equity and how you can use it to finance a vacation, wedding, college, remodel and more.

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When Should I Refinance My Mortgage?

Learn about the benefits of refinancing your mortgage and how to know if it makes sense for you.

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HELOCS vs Home Equity Loans

Here’s the difference between HELOCs vs home equity loans and tips on how to qualify.

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Join us at our next homebuyers' workshop!

On Saturday, February 1, 2020 attend our free first-time homebuyers' class where you can learn about buying a home and meet E-Central Credit Union’s home loan experts.

Find a Mortgage and a Home


Compare mortgage types and home loan options available at E-Central Credit Union.

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Compare our home equity loans and home equity lines of credit options.

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Find a Home

Earn a 25% rebate on real estate commissions when buying or selling a home with HomeBenefitsPlus.

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Everything, everywhere

E-Central Credit Union offers mortgage loans to Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and offers home loans nationwide.
To learn more about our home loans or to apply for a mortgage contact us or visit our Pasadena branch today.