Real Estate Loans

Mortgage solutions for climbing out of debt:

  • Consolidate your debts into a single payment at a lower rate
  • Save big each month
  • Eliminate your debt more quickly

As your credit union family, we want to look into your unique financial situation to help guide you in the way that best fits your needs. If you're drowning in debt, we're here for you. Let us help you get back on top, so you can breathe again!

Your credit union is the place to turn when it comes to getting a mortgage. Whether it’s a purchase or refinance, our experienced loan officers are here to assist you from start to finish. We offer competitive rates and a variety of programs to fit your individual needs. Financing available for primary residences, second homes and investment properties. The pre-approval process is free. Let us see how we may be able to refinance your mortgage to potentially lower your monthly payment or help you fulfill your dreams of homeownership with low down payment options.  


  • Conventional Mortgages
  • Adjustable Rate Mortgages (ARMs)
  • FHA
  • VA
  • Reverse Mortgages
  • Home Equity Line of Credit (HELOC)



  • FIXED: A program that offers a fixed rate, term and monthly payment. 30, 20, 15 and 10 year terms available.
  • VARIABLE: A program that offers an initial fixed rate, term and monthly payment with the ability to adjust yearly. Amortization is based on a 30 year term. 


  • FIXED: A program that offers a fixed rate, term and monthly payment. 20, 15 and 10 year terms available.
  • HELOC: A Home Equity Line of Credit is a variable rate line of credit that allows for a 5 year draw period and 15 year repayment period. 

Sergio MiramontesLETS GET STARTED

Mortgage Loan Officer Sergio Miramontes has been assisting California homeowners with mortgage loans since 1997. With a focus on serving the Credit Union Community and their members he is originating loans for first time buyers and existing homeowners. He is a United States Navy Veteran and can assist other Veterans obtain homes via their service entitlements.

For additional information, current rates and an individualized quote for First Trust Deeds:


For Second Trust Deeds, This email address is being protected from spambots. You need JavaScript enabled to view it. or by phone at 323.505.2600.

Do you need to access information on your current mortgage loan or make a mortgage loan payment? Use the link below.

Access Your Current Account

The Road To Homeownership
Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.

Take Our Online Course

First mortgage loans are originated by Right Choice Mortgage under contract with Cal State L.A. FCU. All programs are subject to underwriting requirements and some programs are not available in all areas. Right Choice Mortgage is a lender for Cal State L.A. FCU and provides credit union members with additional loan program options that are not currently available through the Credit Union. This is not an offer for extension of credit or a commitment to lend. Right Choice Mortgage is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. Right Choice Mortgage is located at: 25351 Commercentre Drive, Ste. 100, Lake Forest, CA 92630. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act and the California Finance Lender Act. NMLS #: 1132583. Equal Housing Lender. Rates, terms and programs subject to change, loan approval subject to income and credit qualification.

equal housing lender

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We welcome CSULA students, staff and faculty as well as residents from the surrounding communities. Find out your eligibility and join us today!


We have a loan for almost any situation, so feel free to browse our loan products and services or apply now if you're ready!