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Today's Featured Rates

Fixed Rate - Conforming
30 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.163%  1.250%
15 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.652%  1.250%
5 Year Adjustable Rate
 Rate  APR  Points
 4.750%  3.838%  1.000%
Fixed Rate ’ High Balance
30 Yr Fixed High Balance
 Rate  APR  Points
 5.250%  5.397%  1.000%
15 Yr Fixed High Balance
 Rate  APR  Points
 4.750%  5.037%  1.250%
Home Equity
15 Year Fixed Second Trust Deed
 Rate  APR  Points
 7.490%  7.779%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.000%  4.000%  0.000%
Interest-Only Home Equity Line of Credit
 Rate  APR  Points
 4.000%  4.000%  0.000%
Shelley K. Duckart
Sr. Mortgage Specialist


200 B Street
Davis, CA 95616


Office: (530) 757-9473
Mobile: (530) 681-3126
Fax: (530) 756-2803
Email: sduckart@usecu.org
  QUICK QUOTE
To see a sample of the rates available today, use this Quick Quote form.
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I have been helping USE Credit Union members achieve their home ownership goals since 1988.  Whether you are looking to buy your first home, upgrade or relocate to a new one, borrow against your equity, or refinance your mortgage - in me you will have over 18 years of mortgage lending experience at your service.  I am also an approved Loan Officer with CalHFA!

USE Credit Union Commitment:
USE Credit Union is a “Total Cost Lender” that is committed to helping borrowers make informed mortgage decisions. We offer a free side by side comparison of up to four loan programs so you can determine the true cost and benefits of each program. Please click here to view a sample of our loan comparison.
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