FIGFCU Mortgage Loans | The Best Mortgage Rates And Service
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

Mortgage Loans

LOW Rates And Hand-Holding Service.

Notice:  Mortgage Relief for 1st Mortgages with CMF.

Check to see if you qualify for mortgage assistance, including forbearance, when you log-in to the mortgage loan portal at www.cmf.loanadministration.com. You may also call our mortgage servicer directly at 866.913.2950 (note: wait times may be long). 

Important - Not all mortgage loans will qualify. If you are not able to qualify for the program, you are still required to make your monthly payments and any delinquent payments will continue to be reported. If you can afford to, the best policy is to continue making your mortgage payments. Delaying debt does not erase it, nor does it prevent mortgage interest accruing.  

Key Information:

  • Members may request a forbearance for a minimum of 3 months up to 12 months or longer if needed.
  • Forbearance plan will start with the month for which the current loan payment is due. For example, if the loan is due for the March payment, then payments will be placed into forbearance for March, April and May.
  • If approved, neither negative credit reporting, nor late charges will occur during the relief period.

We own a mortgage company, Community Mortgage Funding (CMF). This means you'll get the best possible rates and service. Plus, they'll help find the right home loan for you. And, our experienced team will hold your hand every step of the way.

Loan Options:

  • 100% Financing VA Loans
  • 100% Financing USDA Loans
  • 97% Financing Conventional Loans*
  • 96.5% Financing FHA Loans*
  • 95% Financing High Balance Loans*
  • Reverse Mortgage, No regular mortgage payments

* Ask us about our down payment and closing cost assistance program (Available in CA)

Get pre-approved to start the process. Fill out our Home Loan Inquiry Form and a licensed Loan Officer will contact you. Or you can Apply for a loan online or  by calling CMF directly at 877.915.3030, option 4.

First Mortgages

Conventional, FHA and VA financing is available in the following states: AZ, CA, CO, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX, WA.

  • Fixed and adjustable rate loans with terms up to 30 years
  • Low or zero down payment options available
  • We can even help with vacation and investment properties

Get Pre-approved

CMF Home Rewards Program

Members have exclusive access to the CMF Home Rewards program that allows you to search for a home, hire a realtor and receive a discount. The discount offers you the following:

  • 20% rebate on the commission of the participating agent (home purchase)1
  • Learn more about how to save money when selling your home
  • Outstanding service from a trusted real estate agent in your local area

Learn More

Down Payment Assistance (DPA)

California DPA Program (CALHFA)

  • 30-year fixed
  • Zero down payment options available*
  • Down payment assistance up to 3.5%*
  • Closing Cost Assistance – is available to all borrowers up to a max of 3% of the purchase price
  • Minimum FICO is 680

*For those who qualify

Learn more about Down Payment Assistance

Reverse Mortgages

Secure your long-term, financial peace of mind! Are you aged 62+ and a homeowner (or caregiver for someone fitting these criteria)? A Reverse Mortgage could provide ongoing financial security including a source of tax-free money. Benefits include:

  • Purchase or Refinance a home
  • Pay off your existing mortgage
  • Receive monthly cash payments
  • Pay off debt or medical expenses
  • Improve your finances or lifestyle
  • Monthly mortgage payments eliminated2

Learn more about Reverse Mortgages

CMF Fast Track program

Go from offer to keys-in-hand in just 21 days!

With our CMF Fast Track3 program, go from purchase contract to closing-guaranteed—within 21 days!

Here's how it works.

  1. Exclusively offered to members that are pre-approved by CMF.
  2. You commit to providing requested documentation within one day, when requested.
  3. You agree to pay a one-time $395 Fast Track fee.
  4. Your loan is prioritized at processing, underwriting, and funding.
  5. Available in California, Nevada and Arizona only.

Learn more about Fast Track

Home Loan Resources

Introduction Packet:This provides information on the loan documents you'll need. Also, the types of home loans we offer at our mortgage company, CMF. Plus, what to expect during next steps in the home loan process.

Farmers Insurance Federal Credit Union: NMLS# 408877. Community Mortgage Funding, LLC, NMLS #266418. For full CMF licensing information, visit http://www.cmfloan.com/licensing-information.php.

1CMF Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Community Mortgage Funding, LLC. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon and Tennessee. Information is accurate as of date of printing and is subject to change without notice.

  • Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent 
  • Buy a home and receive a 20% rebate on your agent’s commission. 

2 With a Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.

3 Available in CA, NV and AZ only.  Eligible property types are limited to Single Family Dwelling, Condos and PUD’s. The Fast Track program is only applicable for purchase transactions and is subject to credit approval. $395 Fast Track Closing fee applies to this expedited service along with all other required fees disclosed on the Loan Estimate, additional Rush Fees may apply from third party providers. Community Mortgage Funding, LLC is not responsible for unforeseen delays in closing due to property, title or vesting related issues. Community Mortgage Funding, LLC, NMLS#266418, is licensed by Arizona Mortgage Banker License BK-0924262 BKBR-0118639; Loans made or arranged pursuant to a California Financing Law license #6039200; Nevada Exempt Company Registration #4721. 3201 W. Temple Ave Suite 120 I Pomona, Ca 91768 I 877.915.3030