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Amy Nakayama

Mortgage benefits

We specialize in mortgage lending, with adjustable and fixed-rate loans being the most popular options for a standard mortgage or refinance of a primary or secondary residence. CCCU offers many other mortgage options specific to first-time home buyers, veterans, physicians, and more. Be sure to check out all of our mortgage options below.

Beautiful new home exterior with home loan mortgage from CCCU

Competitive Rates

Whether you're looking for an adjustable or fixed-rate mortgage, our rates are some of the lowest around.

Buydown Option

Ask how you can buy "points" to lower your interest rate and reduce your homeownership costs.

Local, Fast Service

Our team is local, approving and processing loans quickly (with friendly, personalized service).

Free Consultation

Not sure which mortgage is right for you? Contact us and we'll give you our expert advice.
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"One of the things I appreciate so much is how good CCCU makes us look. We have clients
that just walk away a little bit astounded
at how easy it was."

Amy Romberg
Windermere Realty Trust

Mortgage rates | Refinance rates

[1] APR=Annual Percentage Rate. Actual APR based on creditworthiness, purchase price, and down payment amount.  Adjustable rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.

 

Rates as of: May 19, 2026
Term
Interest Rate
APR1 (as low as)
Term
30-Year Fixed
Interest Rate
6.625%
APR1 (as low as)
6.837%
Term
30-Year Fixed (investment purchase)
Interest Rate
7.125%
APR1 (as low as)
7.351%
Term
15-Year Fixed
Interest Rate
5.875%
APR1 (as low as)
5.972%
Rates as of: May 19, 2026
Term
Interest Rate
APR1 (as low as)
Term
5-Year Fixed
Interest Rate
5.990%
APR1 (as low as)
6.630%
Term
7-Year Fixed
Interest Rate
6.125%
APR1 (as low as)
6.681%
Term
10-Year Fixed
Interest Rate
6.500%
APR1 (as low as)
6.788%

[1] APR=Annual Percentage Rate. Actual APR based on creditworthiness, purchase price, and down payment amount.  Adjustable rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.

 

Local Realtors Love CCCU

Mortgage options

Mortgage

Conventional

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Mortgage

First-Time Home Buyer

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Mortgage

FHA Loan

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Mortgage

Jumbo Loan

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Mortgage

Physician Home Loan

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Mortgage

VA Loan

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"You see the letterhead on the offer
with CCCU, you know it’s going to get
done and you can convey that 
confidence to your seller."

Patrick Henry
Coldwell Banker Bain

Meet Amy

Amy Headshot

Amy Nakayama

Client Development
NMLS# 2824009
 
“Partners will often tell us they regret not working with CMG sooner. They quickly learn that our experienced underwriting, loan processing, and closing teams are more than equipped to provide end-to-end services for all their mortgage needs.” 

DISCLOSURES
Membership eligibility required. Rates based on creditworthiness, purchase price, and down payment amount; include a 1% loan fee; are based on purchase of primary residence; are subject to change without notice. Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Contact credit union for more details. 

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.