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First Mortgage Loans

Buying a home is no easy task - but the accomplishment of home ownership is simply incomparable.

At Nikkei Credit Union, we understand your goals - and we work with you to make them a reality. There's no reason to get stuck with another financial institution's big paperwork, big headaches and big prices when you can turn to your Credit Union for quick, hassle-free mortgage loan approval.

Plus, with rates consistently ranked among the lowest in America and low fees and costs, why would you go anywhere else when financing one of the biggest investments of your life?

Nikkei Credit Union representatives are eager to help you with your home loan process - and we're here to help make your new house a home!

To Apply or to Check Today’s Rates
Conventional 30-year Fixed (includes 1.625 points)

To Apply or to Check Today’s Rates
Conventional 15-year Fixed (includes 1.125 points)

To Apply or to Check Today’s Rates
Conventional 10-year Fixed (includes 1.000 point)

FORECLOSURE - What You Should Know

There are options available to you to help you avoid the start of a foreclosure action. As you know a foreclosure will damage your credit rating, and your ability to borrow money at a decent interest rate in the future.

As your credit union, we are aware of the challenging economic conditions many individuals and families are facing today in meeting their financial obligations. If you are facing difficulties making your mortgage loan payment at Nikkei Credit Union and/or at a different lender, our recommendation is to take immediate steps to contact this lender. The longer you wait to contact your lender the more difficult it becomes to stop the foreclosure process.

At Nikkei Credit Union (and with other lenders) we want to work with you to ensure you can keep your house than go through the process of a costly foreclosure.

If you are facing delinquency and would like to discuss available options, the following financial documents are necessary to start our discussion with you:

  • Most recent pay stubs
  • Most recent W-2 tax statement
  • Most recent bank statement
  • A written statement explaining your financial hardship
  • A written financial statement detailing your income and expenses

Even if you are in the process of gathering your financial documents, please contact us at the number below to immediately begin a discussion regarding options that may be available to you:

  • Nikkei Credit Union: Call (310) 324-1544 or (866) 4-NIKKEI
  • Other Lenders: Contact lender directly
  • Financial Counseling: HUD* Certified Housing Counselor at (800) 569-4287
    (*HUD: Housing Development Department)

Getting Started
The most important step is to get help as early as possible. Remember, doing nothing will cause the greatest setback.