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Purchasing a condominium has many benefits. You get the joy of a home but often with less responsibility for maintenance and grounds costs; you get a built-in community and often more interaction with your neighbors. But these same benefits are what make securing a loan for your condominium more complicated. Many lenders have strict guidelines on everything from the percentage of non-owner occupied units to the number of units with delinquent HOA fees due.

With Spectrum Credit Union, the process is simple. We review your current situation and the details of your condominium, and we work with you to develop a loan package that fits your needs.

You’ll be the proud owner of your dream condo before you know it.

Member Perks

As a member of Spectrum Credit Union, you get high-quality, affordable, customized financial services. But we don’t stop there. What’s life without a little fun? What’s credit union membership without some extra perks?

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More information

Our Mortgage Loan Officers are here to help you every step of the way. Please call our Home Loan Help Desk at 888-750-4124. For those outside the U.S., call 510-251-6010. 

To check your pending application status, simply log in to your existing application.

Compare the costs of renting versus buying to see which is best for you.


Please Note: Credit bureaus are allowed to make your contact information and credit score available to other mortgage providers. If you wish to opt-out of receiving pre-screened offers, call 888-5-OPTOUT (888-567-8688) or visit

Review our Privacy Notice for when we may share your information.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.