Desert Valley Federal Credit Union

We Have Options For All of Your Financing Needs

Whether you are a first time home buyer or are refinancing your current mortgage– we will find you the best program and rates available for your situation.

We have 3 outstanding Down Payment Assistance options to choose from for your new home purchase:

CHF Platinum
CHF Access

These down payment assistance programs are for first time home buyers or people that have not owned a home in the last 3 years. These programs allow you to buy a home with little to no money down.


Zero Down Payment
100% Financing on Purchase and rate and term refinance transactions on Rural Properties
USDA program available for qualified properties
3% Credit from seller allowed on purchases
640 minimum fico score
Max loan amount $417,000

flagVA Home Loans
CU Lending wants to Thank you for your service

No down payment required~ 0 down!
100% Cash Out on refinances
No closing costs with seller paid contribution of up to 6%
No reserve requirements
First Time Homebuyers~ OK!

HARP 2.0

  • Single Family, Second Homes and Investment properties now eligible up to 150% Loan to value
  • Many may not need an appraisal.
  • Reduce payment and interest rates as low as 3.75%.
  • Must be current on your mortgage payments and not more than 30-days late within the last 12 months
  • Must owe more than home is worth and have financial ability to afford new payments.

Apply Today

CU Lending - 1120 2nd Street., STE 118 Brentwood, CA 94513 Office Phone: Call (888) 899-7822 Fax: (925) 405-3754
CU Lending - 1320 Willow pass Road, Suite 710 Concord, CA 94520 Phone: Call (888) 899-7822
Equal Housing Opportunity Lender. Not a commitment to lend. Rates and programs are subject to change. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
Brentwood, CA NMLS #385320 | Concord NMLS #930622